Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8983094
Complaint Overview
Complaint ID: 8983094
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: 33173
Date Received: 2024-05-10T12:00:00-05:00
Date Sent to Company: 2024-05-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XX/XX/2022 Equifax The credit reporting company is not allowed to release my credit report to anyone without my permission, for the purpose of extending credit. The U.S. Code states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. If the credit reporting company can't provide proof that I applied for credit with that company, then they need to delete the alleged inquiries immediately.
Frequently Asked Questions
What is Complaint #8983094 about?
Complaint #8983094 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 2024-05-10T12:00:00-05:00.
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.