Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #19161317

CFPB complaint 19161317 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against EQUIFAX, INC. on January 31, 2026.

Complaint 19161317 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.

EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 19161317 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.

Complaint 19161317 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 19161317.

Complaint 19161317 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 19161317 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the permissible purposes for which consumer credit reports can be accessed and used. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".

Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The complaint alleges improper use of a credit report by Equifax, which could indicate systemic issues or individual errors in data handling and access controls.

This case highlights the importance of robust internal controls and compliance with FCRA's permissible purpose provisions to prevent misuse of consumer data. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports for accuracy and report any discrepancies or unauthorized access to the credit bureaus.

In Florida, consumers have recourse through the CFPB for credit reporting disputes, and state laws may offer additional protections. This complaint was filed from Florida.

Credit reporting agencies like Equifax are frequently subject to consumer complaints regarding data accuracy and report usage.

Improper use includes accessing or using a credit report for a purpose not permitted by FCRA, such as for employment decisions without proper authorization or for marketing purposes without consent.

Non-monetary relief could include actions like correcting inaccuracies on the report, providing an explanation for the improper use, or implementing enhanced security measures to prevent future occurrences.