Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15627464
Complaint Overview
Complaint ID: 15627464
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: Louisiana
ZIP Code: 700XX
Date Received: 2025-08-30T12:00:00-05:00
Date Sent to Company: 2025-08-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXI sent a certified letter to Equifax with proof of identity and supporting documentation under FCRA 605B. My certified mail tracking number will be provided once available. I am requesting that the following accounts be immediately blocked and permanently removed from my credit report:XXXXAccounts to be blocked and removed: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 XXXXDespite multiple certified disputes and repeated requests, Equifax continues to report accounts and inquiries that are inaccurate, unverifiable, or not properly documented. Previous verified responses do not include competent proof, which constitutes a violation of FCRA 605B, 607(b), 611, and Metro 2 compliance standards.XXXXI expect Equifax to carry out a fully independent and separate investigation for each disputed item, without relying on other bureaus or unverified statements from furnishers. All disputed accounts and inquiries must be blocked within 4 business days of Equifax receiving my certified mail and permanently removed, including from any third-party affiliates or companies that may store or report this informationXXXXThe continued reporting of these unverifiable items has caused me denial of housing, higher credit costs, and significant stress. My personal information was compromised in the 2017 Equifax data breach, for which I received a settlement. Continuing to report unverified items linked to that breach is both reckless and harmful.\nRequested ResolutionXXXXImmediately block all disputed accounts and inquiries under 605B within 4 business days of receiving my certified mail.\nPermanently remove all disputed items from Equifaxs files, including any third-party affiliates or companies used to report, store, or distribute this information.XXXXConduct a fully independent and separate investigation for each disputed item.XXXXConfirm compliance with FCRA 1681e(b), 1681c-2, 1681i, and Metro 2 reporting standardsXXXXAcknowledge my identity breach status from the 2017 Equifax data breach settlement, and provide written confirmation once all items are permanently removed.'
Frequently Asked Questions
What is Complaint #15627464 about?
Complaint #15627464 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 2025-08-30T12:00:00-05:00.
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.