Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7226144
Complaint Overview
Complaint ID: 7226144
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: Texas
ZIP Code: 775XX
Date Received: 2023-07-09T12:00:00-05:00
Date Sent to Company: 2023-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I did not authorize XXXX XXXX to inquire about my credit. I did not apply for a credit card with XXXX. My credit report with XXXX, Equifax, and XXXX XXXX show that on XX/XX/2022, XXXX XXXX pulled my credit. I requested that the credit agencies verify this because : a ) Did not give my permission for XXXX XXXX to pull my credit. b ) I did not sign up for any type of credit service. c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. e ) XXXX XXXX has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.
Frequently Asked Questions
What is Complaint #7226144 about?
Complaint #7226144 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 2023-07-09T12:00:00-05:00.
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.