Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7738118
Complaint Overview
Complaint ID: 7738118
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: Florida
ZIP Code: 32080
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
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.
Frequently Asked Questions
What is Complaint #7738118 about?
Complaint #7738118 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.