Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8151189
Complaint Overview
Complaint ID: 8151189
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: South Carolina
ZIP Code: 29680
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Rectification of Privacy Breach in Consumer Credit Report Dear Equifax, I am writing to address a significant matter pertaining to the unauthorized inclusion of certain accounts in my consumer credit report, which I believe constitutes a breach of privacy and identity fraud. Pursuant to the South Carolina Consumer Protection Code, specifically 37-20-110, any addition of items to a consumer report requires explicit consent from the consumer. Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the information in a consumers credit report is considered non-public personal information. I want to emphasize that I did not provide authorization for the reporting of accounts that are currently negatively impacting my credit reputation. These unauthorized accounts include those with derogatory remarks, accounts in charge-off or collection status, and accounts negatively impacting my payment history. The continued reporting of these unauthorized accounts by Equifax not only violates my privacy but also raises concerns about identity fraud, which is a direct violation of the South Carolina Identity Theft Protection Act ( 37-20-170 et seq. ). I hereby request that you promptly rectify this situation by removing the aforementioned unauthorized accounts from my credit report, in compliance with the aforementioned laws. Failure to address this matter appropriately may be considered willful negligence under the FCRA. I appreciate your immediate attention to this issue and expect that you will take the necessary steps to rectify the breach of privacy in accordance with the relevant state and federal laws. This complaint was construed and submitted in the act of good faith.
Frequently Asked Questions
What is Complaint #8151189 about?
Complaint #8151189 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 2024-01-11T12:00:00-05:00.
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.