Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16737564
Complaint Overview
Complaint ID: 16737564
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: Louisiana
ZIP Code: 70126
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They are reporting a collection account on my credit report that I have disputed and requested validation for under 15 U.S.C. 1692g ( b ). Despite this, they continue to report the debt without providing any proof that it is valid or that they have the legal right to collect it. This conduct violates FDCPA 807 & 809 ( b ) for deceptive and unverified collection activity and FCRA 623 ( b ) for failing to investigate and correct inaccurate reporting. Courts have confirmed that collectors must provide meaningful validation ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ) and can not continue reporting unverified debts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Frequently Asked Questions
What is Complaint #16737564 about?
Complaint #16737564 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 2025-10-21T12:00:00-05:00.
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.