Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6410440
Complaint Overview
Complaint ID: 6410440
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: New York
ZIP Code: 11106
Date Received: 2023-01-07T12:00:00-05:00
Date Sent to Company: 2023-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was reviewing my credit report and noticed that there are unauthorized inquiries between the three credit bureaus. It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. As you can see, I have a very limited and responsible credit profile. I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by USPS XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Companies - Finance XX/XX/XXXX
Frequently Asked Questions
What is Complaint #6410440 about?
Complaint #6410440 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 2023-01-07T12:00:00-05:00.
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.