Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16639655
Complaint Overview
Complaint ID: 16639655
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: Georgia
ZIP Code: XXXXX
Date Received: 2025-10-16T12:00:00-05:00
Date Sent to Company: 2025-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Formal Request for Action Pursuant to these statutes, I am hereby demanding that Equifax, TransUnion, and Experian : Immediately remove and permanently block any hard inquiries that were not authorized by me ; Reinvestigate and verify the origin of these inquiries under 15 U.S.C. 1681i ( a ) ; Provide written confirmation that these inquiries have been deleted from my file ; and Cease and desist from reporting or releasing information connected to any unauthorized or fraudulent credit activity. I have attached the following documentation to substantiate my claim : FTC Identity Theft Report ; Police Report from XXXX Police Department ; Copy of my government-issued ID ; Proof of address ( utility bill, lease, etc. ). Notice of Rights You are required by law to conduct a good faith investigation and respond within XXXX days of receipt of this letter. Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action under the provisions of the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #16639655 about?
Complaint #16639655 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 2025-10-16T12:00:00-05:00.
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.