Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7737521
Complaint Overview
Complaint ID: 7737521
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 48439
Date Received: 2023-10-21T12:00:00-05:00
Date Sent to Company: 2023-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a XXXX XXXX XXXX XXXX looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting. 15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Frequently Asked Questions
What is Complaint #7737521 about?
Complaint #7737521 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-10-21T12:00:00-05:00.
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 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.