Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6624616
Complaint Overview
Complaint ID: 6624616
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: Arizona
ZIP Code: 86406
Date Received: 2023-02-27T12:00:00-05:00
Date Sent to Company: 2023-02-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have exhausted all Attempts with Equifax to have my Credit File Corrected. Equifax continues to Report Incorrect/Impermissible information on my credit report that are Repeated Clear Violations of Federal Consumer Law. The Following account is Reporting Incorrect showing a Balance Due of : {$20000.00} and notates Late Payments that are Not Permissible under Consumer Law " 15 USC 1666 Permissible Purpose. XXXX XXXX XXXX XXXX acct # XXXX ( joint acct : XXXX XXXX XXXX ( Past Due Balance ; {$20000.00} Notates Late Payments ) This account is for an Auto Loan of our : XXXX XXXX XXXX XXXX XXXX XXXX This Auto loan with XXXX XXXX XXXX XXXXXXXX was Paid Off in Full on XX/XX/XXXX and We were issued our Clear Title on XX/XX/XXXX. Attached are Documents Clearly and Undisputable supporting the Dispute of Incorrect/Impermissible Reporting by Equifax. Equifax has continuously committed Fraudulent " Said Investigations '' and Repeatedly denies the Dispute and continues to Violate my Consumer Rights by reporting " Account VERFIED/VALIDATED/CERTIFIED to BE FACTUAL and CORRECT '' I urge CFPB top Enforce my Consumer Rights and Protect me the Consumer from Equifax 's continuous Violations of Federal Law and Reporting of Incorrect/Impermissible Reporting of account information Attached are Supporting Documentation of Above accounts and Also Identification Document to Verify who to Avoid Fraudulent Response by Equifax as Filed in CFPB Complaint XXXX XXXX which contains Proof of Equifax 's Fraudulent Previous Responses of " We were Unable to Locate your Credit File '' -Also see attached Equifax Credit File Report Sent which Identifies me via Equifax Confirmation # XXXX
Frequently Asked Questions
What is Complaint #6624616 about?
Complaint #6624616 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 2023-02-27T12:00:00-05:00.
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.