Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14223872
Complaint Overview
Complaint ID: 14223872
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30319
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : XXXX Account Reporting 1. XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX High Credit : {$6000.00} Status : Late Payments * * Violation : Reporting inaccurate payment history is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) which mandates that furnishers must provide accurate information. Continuing to report late payments that are either inaccurate or previously resolved is also a violation of FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). 2. XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX High Credit : {$3500.00} Status : Late Payments * * Violation : This appears to be a duplicate or incorrectly reported version of the same account above, with a different balance. This is a violation of FCRA 607 ( b ) which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 3. XXXX XXXX XXXX XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX Balance : {$130.00} Status : Charge Off * * Violation : Reporting a charged-off account without verifying the legitimacy of the debt or ownership may violate FCRA 611, and if the balance is inaccurately inflated or duplicated, it could also constitute a violation of FCRA 1681i ( a ) ( reinvestigation of disputed information ). Unauthorized or Excessive Hard Inquiries Hard inquiries appearing without my consent or related to applications I did not initiate are considered a violation of the Fair Credit Reporting Act 604 ( a ) ( 3 ) which clearly states that consumer reports may only be accessed with permissible purpose. The following inquiries were either unauthorized, excessive, or conducted without permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Violation : These inquiries may have been run without my authorization, which is a direct violation of FCRA 604 ( a ). In many cases, these inquiries were repeated excessively by the same or similar entities, suggesting potential abuse or lack of reasonable procedures to ensure permissible purpose. Relief Requested I respectfully request the CFPB to : 1. Investigate and direct the credit reporting agencies and furnishers to delete or cor rect the inaccurate information listed above. 2. Enforce compliance with FCRA by penalizing entities that continue to willfully or negligently violate my consumer rights. 3. Remove all unauthorized inquiries that were made without a permissible purpose. 4. Ensure that XXXX and XXXX XXXX XXXX XXXX correct, validate, or remove the disputed late payments and charge-off entries These actions are causing ongoing damage to my credit, emotional distress, and financial harm. As a consumer, I am exercising my rights under the Fair Credit Reporting Act and seeking protection through the Consumer Financial Protection Bureau.
Frequently Asked Questions
What is Complaint #14223872 about?
Complaint #14223872 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-22T12:00:00-05:00.
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.