Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6080215
Complaint Overview
Complaint ID: 6080215
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: Tennessee
ZIP Code: 37643
Date Received: 2022-10-12T12:00:00-05:00
Date Sent to Company: 2022-10-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the XXXX XXXX XXXX XXXX. The following accounts ; has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Original balance {$7300.00} Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Status updatedXXXX XXXX Past due amount- Original balance {$7300.00} XXXX XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$7500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1800.00} Original balance {$7500.00} XXXX XXXX XXXX Balance updated XX/XX/XXXX Original balance -Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card Charge-off Status updated XX/XX/XXXX Past due amount {$400.00} XXXX XXXX Balance Updated XX/XX/XXXX Credit limit {$300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card Charge-off Status updated XX/XX/XXXX XXXX XXXX Balance Updated XX/XX/XXXX Credit limit {$750.00} Account number XXXX Open/closed Closed Date XXXX XX/XX/XXXX XXXX XXXXL XXXX Balance {$560.00} Balance Updated XX/XX/XXXX Credit limit {$500.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX Balance Updated XX/XX/XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX details Paid off - Balance - Balance updated XX/XX/XXXX Original balance {$7300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Status updated XX/XX/XXXX Original balance {$7300.00} XXXX XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$7500.00} Account info Account number XXXX Date opened XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1800.00} Original balance {$7500.00} XXXX XXXX XXXX Balance updated XX/XX/XXXX Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$670.00} Balance updated XX/XX/XXXX Original balance {$670.00} Account number XXXX Date opened XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Balance {$890.00} Balance updated XX/XX/XXXX Original balance {$890.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$750.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX details 0 % paid off Balance {$2500.00} Balance updated XX/XX/XXXX Original balance {$2500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX A Balance {$280.00} Balance updated XX/XX/XXXX Original balance {$280.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$310.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Violation under 15 U>S>C 1681Section ; 602A states I have the right to privacy under 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. It also states that these account have been varified. How is that possible if they didnt do a proper investigation according to the law. Literally every piece of information are still not reporting 100 % accurate. According to FRCA 15 USC 1681everything has to report 100 @ % accurate.
Frequently Asked Questions
What is Complaint #6080215 about?
Complaint #6080215 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 2022-10-12T12:00:00-05:00.
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.