Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15324270
Complaint Overview
Complaint ID: 15324270
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: Florida
ZIP Code: 33063
Date Received: 2025-08-15T12:00:00-05:00
Date Sent to Company: 2025-08-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint due to the continued reporting of an inaccurate, unverifiable, and disputed account by XXXX XXXX XXXX XXXX and its publication by the credit bureau ( s ) listed above. Despite multiple disputes and requests for validation, this account has not been deleted from my credit file. Instead, the furnishers and/or bureaus have failed to properly investigate, have marked disputes as frivolous without justification, and are actively publishing unverified data. Details of the Account in Question : Creditor/Furnisher : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute Filed : [ Insert Dates ] Requested Remedy : Permanent deletion due to noncompliance and failure to validate Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 3 ) : Marking dispute as frivolous without notice or certification FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681s-2 ( b ) : Continued reporting after failed verification Metro 2 Compliance Violation : Account not flagged with proper XB dispute coding FDCPA 809 ( b ) : Failure to provide proper validation of alleged debt FTC Act 5 / Title 15 : Deceptive practice through publication of unverifiable account What have you done to resolve the issue? I have : Sent multiple dispute letters directly to the credit bureaus Provided documentation and requested full deletion Received a response labeling my dispute as frivolous without any valid basis Filed a complaint with the FTC Created a notarized affidavit and invoice documenting damages To date, the account remains on my report continuing to damage my credit profile, despite having no valid legal basis for its inclusion.
Frequently Asked Questions
What is Complaint #15324270 about?
Complaint #15324270 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 2025-08-15T12:00:00-05:00.
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.