Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14869941
Complaint Overview
Complaint ID: 14869941
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: 90059
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXXXXXX Balance Owed : {$1000.00} * * Law : FCRA 1681s-2, 1681e ( b ), 1681i Issue : This account is showing as charged off with a balance I do not recognize. Story : I was never properly notified about this account going into chargeoff status, and no full validation has been provided to confirm this debt belongs to me. I believe this may be a reporting error or due to unauthorized use. Please investigate and provide all supporting documentation or remove this entry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} * * Law : FCRA 1681s-2 ( a ), 1681i Issue : The late payment reporting is inaccurate and misrepresentative. Story : I made arrangements due to financial hardship and believe the reporting of late payments is unjustified. The lender did not follow up as agreed, and this has severely damaged my credit. I dispute the accuracy and demand correction or deletion of the derogatory marks. XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$760.00} * Law : FCRA 1681e ( b ), 1681s-2 ( a ), 1681i Issue : Chargeoff status and balance inaccurate or unvalidated. Story : I do not recall defaulting on this account. I request the full validation of the debt including original creditor, contract, and payment history. Until validated, I ask for deletion under my consumer rights. XXXX XXXX XX/XX/XXXX Law : FCRA 1681b ( f ), 1681b ( c ), 1681i Issue : Unauthorized inquiry with no permissible purpose or application. Story : I have no relationship with this company and did not authorize them to access my credit. This hard pull is harmful and unjustified. I demand its removal through reinvestigation. Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.
Frequently Asked Questions
What is Complaint #14869941 about?
Complaint #14869941 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 2025-07-24T12:00:00-05:00.
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.