Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8053838
Complaint Overview
Complaint ID: 8053838
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: Maryland
ZIP Code: 21218
Date Received: 2023-12-24T12:00:00-05:00
Date Sent to Company: 2023-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX, Equifax, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Frequently Asked Questions
What is Complaint #8053838 about?
Complaint #8053838 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 2023-12-24T12:00:00-05:00.
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.