Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17120212
Complaint Overview
Complaint ID: 17120212
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: Nevada
ZIP Code: 89081
Date Received: 2025-11-08T12:00:00-05:00
Date Sent to Company: 2025-11-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally file a complaint regarding multiple inaccurate and fraudulent items on my credit report. These errors have caused significant harm to my creditworthiness and must be investigated and corrected immediately. 1. Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me and any reporting linked to these locations is erroneous. 2. Charge-Off Accounts ( I have no knowledge of these accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, Balance : {$1000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, Balance : {$1000.00} ) These charge-offs are not my responsibility. I demand that these accounts be fully investigated and deleted from my credit report. XXXX. Collection Accounts ( I have no knowledge of these accounts ) : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized, opened, or made payments on these accounts. I demand deletion of all these collection accounts immediately. 4. Late Payment Accounts ( Reported inaccurately ) : XXXX XXXX XXXX XXXXXXXX through XXXX XXXXXXXX ( various balances and dates listed ) I have never made any late payments on these accounts. The reporting of these late payments is false and violates the Fair Credit Reporting Act ( FCRA ). I demand a correction of the account history to remove all inaccurate late payments. I request that the CFPB investigate these matters promptly and ensure that all inaccuracies are removed or corrected immediately. I also request written confirmation of all actions taken in response to this complaint. Thank you for your immediate attention to this matter.
Frequently Asked Questions
What is Complaint #17120212 about?
Complaint #17120212 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 2025-11-08T12:00:00-05:00.
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.