Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4692930
Complaint Overview
Complaint ID: 4692930
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: New York
ZIP Code: 105XX
Date Received: 2021-09-04T12:00:00-05:00
Date Sent to Company: 2021-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. On XX/XX/2021 XXXX XXXX removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to XXXX XXXX in XXXX. When there are damages done, remedy is to follow pursuant to XXXX XXXX XXXX for civil liability, which XXXX XXXX is accountable for. XXXX XXXX may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. I submitted a request for remedy and it was left unanswered. I have never given written consent to XXXX XXXX to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law. I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law. All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud. XXXX LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with XXXX XXXX.
Frequently Asked Questions
What is Complaint #4692930 about?
Complaint #4692930 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 2021-09-04T12:00:00-05:00.
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.