Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16191871
Complaint Overview
Complaint ID: 16191871
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: 32824
Date Received: 2025-09-25T12:00:00-05:00
Date Sent to Company: 2025-09-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about XX/XX/XXXX, a XXXX account ( original creditor : XXXX, Account # XXXX ) appeared on my credit reports with TransUnion and XXXX. The account shows a balance of {$220.00} and is listed as a collection account. It was last reported on XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ). I did not open, authorize, or consent to this account. I am a documented victim of identity theft, supported by my FTC Identity Theft Report ( # XXXX ). I have disputed this account before, as reflected in my TransUnion file showing : Account information disputed by consumer. However, the account remains and continues to appear in both TransUnion and XXXX, causing harm to my credit during the process of purchasing a home. This is inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #16191871 about?
Complaint #16191871 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 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.