Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5020592
Complaint Overview
Complaint ID: 5020592
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: Received unsolicited financial product or insurance offers after opting out
State: Connecticut
ZIP Code: 064XX
Date Received: 2021-12-17T12:00:00-05:00
Date Sent to Company: 2021-12-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.
Frequently Asked Questions
What is Complaint #5020592 about?
Complaint #5020592 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 2021-12-17T12:00:00-05:00.
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.