Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6869127
Complaint Overview
Complaint ID: 6869127
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: Oklahoma
ZIP Code: 731XX
Date Received: 2023-04-20T12:00:00-05:00
Date Sent to Company: 2023-04-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been attempting to deal with Equifax since XXXX XXXX XXXX. I was locked out of my online account, being charged monthly for a service I could not access due to being locked out. Finally, I called Equifax and on the 5th attempt I did reach a customer service person who reported that they cancelled the service but I got no refund for the 6 months I was not able to access my account. One year later, still not able to access my credit report sent multiple dispute letters to Equifax, no response, called on the XXXX try reached a customer service person who said I would be getting an email within XXXX ( XXXX ) days to resolve being locked out of account. I never received it. I have over 35 hard inquiries on my credit report that were initiated without my consent, again customer service refused to help stating I needed to contact each business individually, even though I had done that, still refusal to assist. Today I attempted to log back into my account, I am attaching screen shots. Both XXXX and XXXX reflect at least XXXX pts higher, while Equifax will not cooperate or acknowledge even my existence. I am sending a certified letter with Intent to Sue. TWO YEARS and definitely experienced $ $ $ $ $ thousands of loss due to high risk financing.
Frequently Asked Questions
What is Complaint #6869127 about?
Complaint #6869127 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 2023-04-20T12:00:00-05:00.
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.