Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15013005
Consumer disputes unrecognized credit inquiries on Equifax report
Complaint Overview
Complaint ID: 15013005
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: Ohio
ZIP Code: 43609
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of unrecognized credit inquiries can negatively impact a consumer's credit score and potentially lead to identity theft concerns.
Consumer Sentiment: neutral
Topics: Credit reporting, Credit inquiries, Identity theft
AI Analysis
CFPB complaint 15013005 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding unauthorized and incorrect information on their Equifax credit report, specifically concerning unrecognized credit inquiries. The complaint was received on July 31, 2025 from Ohio. The company responded with "Closed with non-monetary relief".
Consumer Narrative
Please remove unauthorized and incorrect information on my credit report : Name : 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
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and immediately dispute any unfamiliar inquiries or information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct any inaccuracies found on a consumer's report.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Ohio, and the resolution was closed with non-monetary relief.
Industry Comparison
This is a common issue within the credit reporting industry, where errors or unauthorized activity can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15013005 about?
CFPB complaint 15013005 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against EQUIFAX, INC. on July 31, 2025.
Which company is complaint 15013005 filed against?
Complaint 15013005 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 15013005?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 15013005 filed?
Complaint 15013005 was received by the CFPB on July 31, 2025. It was sent to EQUIFAX, INC. on July 31, 2025.
What state was complaint 15013005 filed from?
Complaint 15013005 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 15013005?
Dispute information is not available for complaint 15013005.
What product category is complaint 15013005 about?
Complaint 15013005 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 15013005 submitted?
Complaint 15013005 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 15013005?
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".
How likely is complaint 15013005 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15013005?
This complaint is rated as medium risk. The presence of unrecognized credit inquiries can negatively impact a consumer's credit score and potentially lead to identity theft concerns.
What regulatory actions apply to complaint 15013005?
Credit reporting agencies have a responsibility to investigate disputes and correct any inaccuracies found on a consumer's report. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 15013005?
Consumers should regularly review their credit reports for accuracy and immediately dispute any unfamiliar inquiries or information with the credit reporting agency.
Are there state-specific protections for complaint 15013005?
The complaint originated in Ohio, and the resolution was closed with non-monetary relief. This complaint was filed from Ohio.
How does complaint 15013005 compare to industry norms?
This is a common issue within the credit reporting industry, where errors or unauthorized activity can occur.
What steps should a consumer take if they suspect their identity has been compromised due to unauthorized credit inquiries?
If identity theft is suspected, consumers should file a police report, place a fraud alert on their credit reports with all three major bureaus, and consider a credit freeze.
How long does a credit reporting agency typically have to investigate a disputed inquiry?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.