Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6360493
Complaint Overview
Complaint ID: 6360493
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: Credit inquiries on your report that you don't recognize
State: Maryland
ZIP Code: 20774
Date Received: 2022-12-25T12:00:00-05:00
Date Sent to Company: 2022-12-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated. Sincerely,
Frequently Asked Questions
What is Complaint #6360493 about?
Complaint #6360493 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 2022-12-25T12:00:00-05:00.
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.