Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4600423
Complaint Overview
Complaint ID: 4600423
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Arkansas
ZIP Code: 720XX
Date Received: 2021-08-03T12:00:00-05:00
Date Sent to Company: 2021-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681a ( e ) Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act which are federally protected consumer rights. Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I the consumer have a right to privacy which means Equifax has violated this by reporting these inaccurate accounts on my consumer report. Equifax has violated 15 USC 1681b ( a ) ( 2 ) which states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. Equifax has violated 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I the consumer would like to state that Equifax has not personally interview neighbors, friends, associates or any else who knows about my character, general reputation or personal characteristic or mode of living. I also want to notify Equifax that there is personal information from the creditor on my consumer report which is also a violation. I have enclose the documents for these violations.
Frequently Asked Questions
What is Complaint #4600423 about?
Complaint #4600423 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-08-03T12:00:00-05:00.
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, credit repair services, 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.