Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14245415
Complaint Overview
Complaint ID: 14245415
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: California
ZIP Code: 92882
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing multiple inaccurate, unverifiable, and potentially fraudulent entries currently reporting on my consumer credit file. This includes personal information, accounts, collections, and inquiries that are being reported in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Standards, and XXXX XXXX XXXX XXXX ( XXXX ) guidelines. I expect full compliance with your legal obligations, including but not limited to : FCRA 604 [ 15 U.S.C. 1681b ] ( Permissible Purpose ) FCRA 611 [ 15 U.S.C. 1681i ] ( Reinvestigation of Disputed Information ) Metro 2 Reporting Standards ( CDIA 2020 CRRG guidelines ) The continued reporting of inaccurate and unverifiable data damages my creditworthiness and constitutes willful noncompliance under FCRA 616. I demand you immediately verify or DELETE all disputed information listed below. You are required to conduct a reasonable investigation and provide me with verifiable documentary evidence, including signed contracts or original authorizations directly bearing my signature or electronic authorization. Personal Information Being Challenged : Employer : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX XXXX XXXX Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Accounts Being Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX * * * * AFFIRM 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 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 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 Inquiries Being Challenged ( Potentially Unauthorized ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you are unable to produce legally admissible documentation that proves I authorized these accounts, collections, or inquiries, you are required by law to DELETE the disputed information immediately. Form letters, stall tactics, and automated responses will not satisfy your obligations. I expect you to mail me the full investigation results, copies of supporting documentation, and an updated credit report reflecting the immediate deletion of any unverifiable data within the 30-day window permitted by law. Failure to comply may result in legal action for willful noncompliance, negligent reporting, and violation of my consumer rights.
Frequently Asked Questions
What is Complaint #14245415 about?
Complaint #14245415 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 2025-06-23T12:00:00-05:00.
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.