Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14205410
Complaint Overview
Complaint ID: 14205410
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Georgia
ZIP Code: 30214
Date Received: 2025-06-20T12:00:00-05:00
Date Sent to Company: 2025-06-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Reporting Formal Demand for Deletion Under 15 U.S.C. 1681b To Whom It May Concern, This letter is to formally notify you that you are reporting information on my consumer credit file without my authorization, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which clearly states that consumer reporting agencies may only furnish a consumer report if there is a permissible purpose and proper written consent from the consumer. I have never given Equifax written consent to furnish or obtain my personal or financial information related to XXXX XXXX XXXX XXXX, Account XXXX XXXX, nor have I ever established a business relationship or initiated any transaction requiring such access. Your agency has therefore violated my rights under federal law by reporting and furnishing this information without authorization. You are now legally obligated to : Immediately delete the above-referenced XXXX XXXX account from my credit report. Provide me with written confirmation that this account has been removed. Cease and desist from sharing or reporting any unverifiable or unauthorized information on my credit profile. Should you fail to act in compliance with federal law, I will have no choice but to take further legal steps and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will also consider seeking legal relief. This is a serious matter that requires your immediate attention. I expect full compliance and written confirmation of deletion within 15 calendar days of receipt of this notice. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14205410 about?
Complaint #14205410 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-20T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.