Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16215520
Complaint Overview
Complaint ID: 16215520
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 333XX
Date Received: 2025-09-26T12:00:00-05:00
Date Sent to Company: 2025-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered multiple unauthorized inquiries on my credit report. My FTC Identity Theft Report ( No. XXXX ) documents these as fraudulent. Specifically : XXXX XXXX XXXX ( XX/XX/year> ), Equifax Mortgage Services ( XX/XX/year> ), and XXXX XXXX XXXX ( XX/XX/year> and XX/XX/year> ). I never applied with these companies and did not give permission for them to access my credit report. These inquiries violate FCRA 604, which prohibits furnishing reports without my written consent or a permissible purpose. I am requesting immediate deletion of these inquiries.
Frequently Asked Questions
What is Complaint #16215520 about?
Complaint #16215520 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 2025-09-26T12:00:00-05:00.
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.