Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6245436
Complaint Overview
Complaint ID: 6245436
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: Texas
ZIP Code: 75039
Date Received: 2022-11-27T12:00:00-05:00
Date Sent to Company: 2022-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to 15 U.S. Code 1681 ( a ) ( 4 ) and ( b ) - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer reporting agencies can only hold Files and Consumer Reports on Consumers as defined in 15 U.S. Code 1681a ( c ). I am not a Consumer or a Person as defined in 15 U.S. Code 1681a ( b ) and ( c ) and I am not an individual as defined in the Privacy Act of 1974 ( 5 U.S. Code 552a ( a ) ( 2 ) ). This is evidenced by the attached Revocation of Election and United States Postal Service Electronic Return Receipt, received by XXXX XXXX acting Commissioner of the Internal Revenue Service on XX/XX/XXXX. The three national consumer reporting agencies XXXX, XXXX XXXX, and Equifax and all other consumer reporting agencies must delete and dispose of all information in any file pertaining to the consumer report of XXXX XXXX XXXX. This is to ensure that consumer reporting agencies are following accurate and fair credit reporting procedures in accordance with the Congressional findings and statement of purpose of the Fair Credit Reporting Act. If XXXX, XXXX XXXX, and Equifax and all other consumer reporting agencies continue to hold a file as defined in 15 U.S. Code 1681a ( g ) including a consumer report as defined in 15 U.S. Code 1681a ( d ) ( 1 ) of information pertaining to XXXX XXXX XXXX this would be evidence of the said consumer reporting agencies depriving me of my substantive right to privacy in which my private information has been publicly placed in a false light and caused harm to my reputation causing me psychological, financial, and reputational harm which is a direct violation of the Fair Credit Reporting Act. XXXX, XXXX XXXX, and Equifax and all other consumer reporting agencies are required by Law to comply with the requirements of the Fair Credit Reporting Act and are subject to 15 U.S. Code 1681o - Civil liability for negligent noncompliance. According to 15 U.S. Code 1681o ( a ) ( 1 ) ( 2 ) ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Take notice that this Consumer Financial Protection Bureau complaint and your responses will be used as records/ evidence of your negligent noncompliance to the Fair Credit Reporting Act among other Laws of the United States.
Frequently Asked Questions
What is Complaint #6245436 about?
Complaint #6245436 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 2022-11-27T12:00:00-05:00.
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.