Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14935800
Complaint Overview
Complaint ID: 14935800
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: 92553
Date Received: 2025-07-28T12:00:00-05:00
Date Sent to Company: 2025-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX Balance Owed : {$18000.00} Status : Charge-Off * * Issue : This is a duplicate account of the one listed above and its presence causes inaccurate representation. Law Violation : FCRA 609 ( c ) ( 2 ) allows consumers the right to dispute duplicate or unverifiable information. CFPB also mandates that data furnishers avoid duplicate negative impacts from the same debt. Story : This account seems to mirror the previous XXXX XXXX account in balance and status, resulting in double derogatory reporting. This severely affects my credit and is misleading to lenders. Instruction : Immediately remove this duplicate charge-off from my file and confirm that only one accurate version, if any, is reported. Inquiry : XXXX XXXX XXXX Date : XX/XX/year>XXXX Issue : This hard inquiry was not authorized by me and constitutes an unauthorized access to my credit profile. Law Violation : FCRA 604 ( a ) ( 3 ) states that a permissible purpose must exist for any inquiry. Inquiry without my consent is a violation. Story : I did not authorize XXXX XXXX XXXX XXXX or any related entity to run my credit on this date. This inquiry was done without a signed credit application or consent, which is illegal and causes unjust score impact. Instruction : Please remove this unauthorized inquiry from my credit report and provide proof of authorization if you choose not to delete. These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.
Frequently Asked Questions
What is Complaint #14935800 about?
Complaint #14935800 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 2025-07-28T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.