Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8394793
Complaint Overview
Complaint ID: 8394793
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: 33169
Date Received: 2024-02-21T12:00:00-05:00
Date Sent to Company: 2024-02-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Equifax and XXXX are thus violating this provision by reporting inaccurate information without proper consent. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. Equifax, XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX / acct number XXXX charged off XXXX XXXX XXXX / acct number XXXX all ( late payments )
Frequently Asked Questions
What is Complaint #8394793 about?
Complaint #8394793 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 2024-02-21T12:00:00-05:00.
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.