Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15860297
Complaint Overview
Complaint ID: 15860297
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Michigan
ZIP Code: 49014
Date Received: 2025-09-10T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am demanding proof of lawful authority and consent for [ Equifax/Experian/TransUnion/XXXX ] to obtain , maintain , and share my personal information. I have never signed a contract, agreement, or other document granting this company the right to collect, use, or distribute my name, Social Security number, or related identifying information. I am requesting that the company provide : 1. The lawful authority under which they claim the right to use my personal data. 2. The original agreement or contract bearing my signature that authorizes them to do so. 3. The parties or sources from which they acquired my personal information. If such proof does not exist, their actions amount to unauthorized and unlawful use of my information and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).
Frequently Asked Questions
What is Complaint #15860297 about?
Complaint #15860297 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-10T12:00:00-05:00.
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.