Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16432369
Complaint Overview
Complaint ID: 16432369
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: North Carolina
ZIP Code: 27834
Date Received: 2025-10-07T12:00:00-05:00
Date Sent to Company: 2025-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under FCRA Dear Equifax , I am writing to formally dispute information on my Equifax credit report that I believe is inaccurate or unauthorized. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Equifax investigate and correct or remove the inaccurate entries from my credit file. Enclosed are the following documents to support my request : 1. A copy of my government-issued photo identification. 2. A copy of a utility bill or other proof of my current address. The following items on my credit report are inaccurate or unauthorized and must be corrected or removed : Accounts ( FTC Code = U for Unauthorized/ I for Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries ( FTC Code = I for Inaccurate / Unauthorized ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 separate inquiries ) Only my legal name and current address, as provided above, should remain on file. Please provide me with written confirmation once these inaccurate or unauthorized items have been corrected or removed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16432369 about?
Complaint #16432369 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 2025-10-07T12:00:00-05:00.
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.