Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5344204
Complaint Overview
Complaint ID: 5344204
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: 088XX
Date Received: 2022-03-20T12:00:00-05:00
Date Sent to Company: 2022-03-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report. 15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Frequently Asked Questions
What is Complaint #5344204 about?
Complaint #5344204 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 2022-03-20T12:00:00-05:00.
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.