Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7768928
Complaint Overview
Complaint ID: 7768928
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: 331XX
Date Received: 2023-10-27T12:00:00-05:00
Date Sent to Company: 2023-10-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You're infringing on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. XXXX XXXX XXXX XXXX Late Payment {$32000.00} XXXX XXXX XXXX XXXX Collection {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$1100.00} XXXX XXXX Collection {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Collection {$1500.00} XXXX XXXX Collection {$3900.00} XXXX XXXX Collection {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$3900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2600.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Charge-off {$2800.00} XXXX XXXX XXXX Charge-off {$280.00} XXXX XXXX XXXX Charge-off {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$660.00} XXXX XXXX Charge-off {$1500.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00}
Frequently Asked Questions
What is Complaint #7768928 about?
Complaint #7768928 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 2023-10-27T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.