Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4754645
Complaint Overview
Complaint ID: 4754645
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 Jersey
ZIP Code: 08021
Date Received: 2021-09-25T12:00:00-05:00
Date Sent to Company: 2021-09-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX I sent Equifax a letter via a CFPB complaint stating EQUIFAX is in violation of my privacy rights for reporting unauthorized written consent from the consumer. In there response ON XXXX EQUIFAX did not remove the items as instructed, instead claim they will try and verify the information. This has nothing to do with VERIFICATION! EQUIFAX is negligently and/or willfully failed to comply with 15 U.S.C. 1681 ( B ) and 15 U.S.C. 1681 ( A ). I did not give EQUIFAX written authorization to violate my privacy and report what congress said CAN NOT be reported on a consumer report under 15 USC 1681 ( a ) ( 2 ) ( b ) any consumer transaction with an extension of credit from the CONSUMER direct or indirect by the issuer of a credit card or similar device should be excluded from a consumer report. A CREDIT CARD IS DEFINED AS ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICES existing for the purpose of OBTAINING MONEY, LABOR, OR SERVICES ON CREDIT NOTICES. There for the use OF MY SOCIAL SECURITY CARD ALSO KNOWN AS MY CONSUMER CREDIT CARD was used in CONSUMER CREDIT TRANSACTIONS for the accounts listed below! 15 USC 1681a ( 2 ) ( b ) STATES IT MUST BE DELETED! Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes the Court to award monetary civil penalties of not more than {$2500.00} for each knowing violation of the FCRA that occurred since September 30, 1997. I will seek monetary damages along with emotional and financial damages if the accounts are NOT DELETED IMMEDIATELY BY EQUIFAX XXXX XXXX - file # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX
Frequently Asked Questions
What is Complaint #4754645 about?
Complaint #4754645 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 2021-09-25T12:00:00-05:00.
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, 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.