Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18221735
Complaint Overview
Complaint ID: 18221735
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: Michigan
ZIP Code: 48060
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm noticing charge off in charge offs are considered income Not a lot of reporting come and I know and I noticed to opt out of reporting or I have the right to opt out However they refused. 15 USC 6802 outlines the obligations of a financial institution with respect to the disclosure of personal information 6802 outlines the opt out requirements for financial institutions when disclosing on public personal information to non affiliated 3rd parties institutions are required to clearly inconspicuously disclose the consumer in writing or an electronic form that their personal information may maybe disclosed to 3rd parties. 15 USC 1680 A 2 is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. in general our consumer reporting agency made furnishing consumer report only under the following circumstance and no the consumer 's written authorization to the creditor. No authorization was given nor will ever be given to disclose any negative inaccurate or injurious information to my consumer report. 1681 also states that I can receive compensation For my damages for a wilful non compliance which was unequivocally clear. So now I have the right to receive {$1000.00} complaints with code 15 US 1681n.
Frequently Asked Questions
What is Complaint #18221735 about?
Complaint #18221735 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 2025-11-25T12:00:00-05:00.
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.