Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6172198
Complaint Overview
Complaint ID: 6172198
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: Illinois
ZIP Code: 60016
Date Received: 2022-11-05T12:00:00-05:00
Date Sent to Company: 2022-11-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is not a duplicate complaint and this complaint due to the ne evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Equifax Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from Equifax but it turns out being refused or ignored. They completely violated the FCRA XXXX. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I was completely down and felt hopeless, I couldn't believe to my own eyes how Equifax can disobey the law. So, XX/XX/2022, I sent to the courthouse a letter asking do the report bankruptcy to the credit bureaus and I got a letter back from the court on XX/XX/2022 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. According to : XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Frequently Asked Questions
What is Complaint #6172198 about?
Complaint #6172198 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 2022-11-05T12:00:00-05:00.
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.