Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6216958
Complaint Overview
Complaint ID: 6216958
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: Massachusetts
ZIP Code: 02043
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Frequently Asked Questions
What is Complaint #6216958 about?
Complaint #6216958 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 2022-11-17T12:00:00-05:00.
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.