Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7424551
Complaint Overview
Complaint ID: 7424551
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: Alabama
ZIP Code: 357XX
Date Received: 2023-08-18T12:00:00-05:00
Date Sent to Company: 2023-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Unauthorized Inquiries As the affiant is aware, it is a fact that these inquiries were conducted without my permission/consent. There was no legal reason for doing so, which is against 15 U.S. Code 161b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Inquiries are as follows : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone XXXX 15 U.S. Code 1681n ( 1 ) ( A ) : Unauthorized Inquiries hold civil liabilities hold up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.It is a fact, I, the affiant, is aware these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} per inquiry as the listed companies above are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Frequently Asked Questions
What is Complaint #7424551 about?
Complaint #7424551 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 2023-08-18T12:00:00-05:00.
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.