Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15772895
Complaint Overview
Complaint ID: 15772895
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: 70461
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
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 submitting this formal complaint under the Fair Credit Reporting Act regarding multiple inaccurate addresses, late payments, and unauthorized inquiries appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without providing signed agreements, statements, or proof of notice. Reporting unverifiable late payments misrepresents my credit history and violates federal law. This item must be deleted XXXX XX/XX/XXXX Inquiry Issue Unauthorized inquiry Law FCRA 604 ( a ) applies Story I did not authorize XXXX to access my credit file. This inquiry is inaccurate and must be removed Final Statement Under FCRA 604 ( a ), 607 ( b ), 611, and 623 all addresses, late payments, and inquiries listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete all unverifiable or misleading entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws
Frequently Asked Questions
What is Complaint #15772895 about?
Complaint #15772895 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 2025-09-06T12:00:00-05:00.
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.