Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8770056
Complaint Overview
Complaint ID: 8770056
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: Indiana
ZIP Code: XXXXX
Date Received: 2024-04-14T12:00:00-05:00
Date Sent to Company: 2024-04-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subjet : Removal of Disputed Account To whom it may concern, I am writing to formally dispute a collection account on my credit report, which is being reported by XXXXXXXX XXXX XXXXXXXXI am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of information. Upon reviewing my credit report, I noticed the presence of XXXX XXXX XXXXXXXX dated open XXXX XXXX. I have never entered into any contractual agreement with XXXXXXXX XXXX XXXXXXXX. I did not authorized or gave my consent to them to act on my behalf in any financial matter. This claim is erroneous and I have sent XXXX and XXXX a cease and desist letter. I am requesting the credit bureaus to provide me with the complete documentation they received from XXXXXXXX XXXX XXXX regarding this alleged debt and a signed contract with my signature that bears my name on it. If the credit bureaus can not produce the information to me, they shall promptly remove the disputed accounts from my credit report within XXXX days. I am also disputing XXXX XXXX XXXX legal authority to collect a debt in my state. I am not liable for for the debt in question. I never received any goods or services from XXXX XXXX XXXX. XXXX XXXX XXXX is inaccurate and violates the provisions of the FCRA. I am prepared to all necessary legal rights if this dispute is not handled in accordance with the provisions of the law. I have sent in all the proper documentation to get this account removed. Tracking Number:XXXX Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8770056 about?
Complaint #8770056 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 2024-04-14T12:00:00-05:00.
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.