Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18233627
Complaint Overview
Complaint ID: 18233627
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: Texas
ZIP Code: 78504
Date Received: 2025-12-22T12:00:00-05:00
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 am filing this complaint against Equifax for failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). > Chronology of Violation : * On XX/XX/year>, I sent a second formal dispute and validation demand to XXXX XXXX XXXX XXXX XXXX ( the furnisher ) via Certified Mail XXXXXXXX XXXX Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, a collector MUST cease all collection activityincluding reporting to credit bureausuntil verification is provided. * Despite my timely dispute, XXXX XXXX XXXX reported this unverified account to your agency on XX/XX/scrub>XXXX XXXX XXXX Furthermore, the item is not marked as " Disputed, '' which is a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a clear case of " debt parking '' and coercive reporting. Since the furnisher ignored a legal stay on collection to place this on my report, the information is inherently unreliable and unverified. I demand the immediate removal of this tradeline.
Frequently Asked Questions
What is Complaint #18233627 about?
Complaint #18233627 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 2025-12-22T12:00:00-05:00.
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.