Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16191536
Complaint Overview
Complaint ID: 16191536
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: Indiana
ZIP Code: 46818
Date Received: 2025-09-25T12:00:00-05:00
Date Sent to Company: 2025-09-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, This is a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. I am requesting a full investigation and immediate correction of the inaccurate information listed below. These errors are damaging my creditworthiness, creating financial and emotional stress, and preventing me from living a stable life. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$600.00} Collection This collection account is inaccurate, unvalidated, and reported in a manner that violates consumer protection laws. No proper validation of debt has been provided, and continuing to report unverifiable debts is a direct violation of FDCPA 809 ( b ). Furthermore, the credit bureaus failure to remove this disputed account is a violation of FCRA 611 ( a ). This false reporting is unlawful and must be corrected immediately. The continued reporting of these inaccuracies demonstrates clear violations of federal consumer protection laws. I demand that the CFPB enforce compliance and require the credit reporting agencies and furnishers to delete or correct these items immediately. Failure to correct these errors constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, both of which carry liability for damages. I request a full investigation, deletion of the inaccurate information, and written confirmation of the results within the timeline required by federal law.
Frequently Asked Questions
What is Complaint #16191536 about?
Complaint #16191536 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 2025-09-25T12:00:00-05:00.
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.