Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6908447
Complaint Overview
Complaint ID: 6908447
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: Illinois
ZIP Code: 60655
Date Received: 2023-04-29T12:00:00-05:00
Date Sent to Company: 2023-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN I recently received a copy of my XXXX credit report, and I noticed a late payment posted on my credit report for the company below: XXXX XXXX ACCOUNT NUMBER XXXX-XXXX LATE PAYMENT DATE XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES: (A) In general Subject to subsection (c) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) In accordance with the written instructions of the consumer to whom it relates. I did not give any written or verbal consent to furnish this information on my report. Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a consumer credit report clearly states (A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer report does not include - (A) Subject to section 1681s-3 of this title, any - (I) Report containing information solely as to transactions or experiences between the consumer and the person making the report: Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking $1,000 per violation for: 1. Defamation of character (per se) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n] Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Frequently Asked Questions
What is Complaint #6908447 about?
Complaint #6908447 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 2023-04-29T12:00:00-05:00.
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.