Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6272962
Complaint Overview
Complaint ID: 6272962
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: 015XX
Date Received: 2022-12-02T12:00:00-05:00
Date Sent to Company: 2022-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is The Account Type, Date Opened, No. Of Months ( Terms ), High Credit, Last Reported, Comments, Date Last Active And Date Of Last Payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is The Account Type, Whether Its Paid, Date Opened, Number Of Months and Terms, Payment Status, Last Reported, Comments, Date Last Active and Date Of Last Payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is The Date Opened and Last Reported Is Impossible To Be Considered A Collection. No Note Of A Monthly Payment, No Information of a Past Due Amount. 2 Credit Bureaus XXXX XXXX XXXX Equifax ) Have Not Reported This. XXXX ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is Thats Its Also The XXXX Account Below named " XXXX XXXX ''. The Other Inconsistencies Are Date Opened, Payment Status, Last Reported, Comments, Date Last Active, And Date Of Last Payment. XXXX ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is Thats Its Also The 4th Account Below named " XXXX XXXX ''. The Other Inconsistencies Are Date Opened, Payment Status, Last Reported, Comments, Date Last Active, And Date Of Last Payment. XXXX ) Collection ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is Monthly Payment, Date Opened, Balance, No. of Months ( Terms ), Past Due, Last Reported, Comments, Date Last Active and Date Of Last Payment. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! Its be noted That This Was Done Three Times For XXXX XXXX ( XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! Its be noted That This Was Done Three Times For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX had violated my rights. 15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! Its be noted That This Was Done Three Times For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #6272962 about?
Complaint #6272962 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 2022-12-02T12:00:00-05:00.
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.