Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6220889
Complaint Overview
Complaint ID: 6220889
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: Pennsylvania
ZIP Code: 19135
Date Received: 2022-11-18T12:00:00-05:00
Date Sent to Company: 2022-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022, all in which i have sent certified Postage from USPS. I submitted a request to block information on my consumer report as I am a victim of identity theft. This is not a dispute, however CRA has chosen to forgo federal regulation and apply their company policy to treat this as a dispute. I called them and XXXX Department manager stated that their policy supersedes FEDERAL LAW ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information that is on file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by consumer ; and ( 4 ) a statement by the consumer that the information is not information relationg to any transaction by the consumer. I submitted proof of identity theft report from the FTC, the notices of furnishers, My drivers license, The accounts that are fraudulent and also a statement that these accounts needs to be deleted without recourse under federal law.
Frequently Asked Questions
What is Complaint #6220889 about?
Complaint #6220889 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 2022-11-18T12:00:00-05:00.
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.