Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7840331
Complaint Overview
Complaint ID: 7840331
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: Colorado
ZIP Code: 80918
Date Received: 2023-11-12T12:00:00-05:00
Date Sent to Company: 2023-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have submitted two CFPB complaints, XXXX & XXXX - Equifax XXXX & XXXX XXXX and still to date I am yet to receive what was requested by law from these XXXX agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. EQUIFAX AND XXXX are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting EQUIFAX AND XXXX to remove accounts immediately. I am not asking for an XXXX XXXX. SAID companies are liable under the SEC to follow certain rules. EQUIFAX Commission number XXXX, XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX AND XXXX are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, XXXX XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.
Frequently Asked Questions
What is Complaint #7840331 about?
Complaint #7840331 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 2023-11-12T12:00:00-05:00.
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.