Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14626068
Complaint Overview
Complaint ID: 14626068
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Alabama
ZIP Code: 350XX
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. - 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. - 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. These no longer serve a valid purpose in creditworthiness evaluation. Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. Please process this dispute and send me an updated copy of my credit file.
Frequently Asked Questions
What is Complaint #14626068 about?
Complaint #14626068 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 2025-07-13T12:00:00-05:00.
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.