Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5642915
Complaint Overview
Complaint ID: 5642915
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: California
ZIP Code: 92626
Date Received: 2022-06-07T12:00:00-05:00
Date Sent to Company: 2022-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I SUBMITTED A COMPLAINT THROUGH CFPB PORTAL ON XX/XX/2022 RECEIVED A RESPONSE FROM EQUIFAX COMPLAINT NUMBER BEING ( XXXX ) According to the company Equifax response they stated the account/s that are currently reporting on my consumer file were XXXX XXXX, in which this company Equifax stated they have verified belongs to me. Second account being XXXX XXXX XXXX, Equifax stated that it shows in their systems that I have previously tried disputing the account and the Third account being listed as XXXX XXXX XXXX where Equifax stated in response that has also been previously disputed by consumer. Based off of the response from the company Equifax response they have admitted to being in violation of the FCRA15 usc 1681b PERMISSIBLE PURPOSE OF THE CONSUMER REPORTS ( a ) IN GENERAL Subject ( c ) any consumer reports under the following circumstances and no other : ( 2 ) In accordance with the written instructions if the consumer to whom it relates. I have never given the CREDIT REPORTING AGENCY Equifax written consent to furnish a consumer report on my behalf. According to the company response Equifax has admitted to being in violation of AGGRAVATED IDENTITY THEFT PURSUANT to 18 USC 1028A. Equifax has knowingly transferred, possessed, or used, without lawful authority 's means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability 15 usc 1640. Under the FDCPA this agency were supposed to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. Therefore, the following accounts must be deleted from the report.
Frequently Asked Questions
What is Complaint #5642915 about?
Complaint #5642915 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 2022-06-07T12:00:00-05:00.
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.