Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9153097
Complaint Overview
Complaint ID: 9153097
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: Wisconsin
ZIP Code: 53218
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of SSN. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Subject : DISPUTE AND rEQUEST FOR iNVESTIGATION OF eRRONEOUS iNFORMATION ON cONSUMER rEPORT Dear, XXXX XXXX XXXX XXXX am writing to express my deep concern regarding the accuracy of the information on consumer report, as provided by your agency. Upon reviewing the recent credit report, i have identified the presence of a XXXX XXXX Bankruptcy entry, as well as XXXX other erroneous accounts that were included in a XXXX XXXX Bankruptcy filing. That your company responded validated, when requested for verification, XX/XX/XXXX. These inaccuracies are both misleading and dAMAGING to rEPUTATION. The aCCOUNTS lISTED oN tHE cREDIT rEPORT wERE iNCLUDED aND dISCHARGED wITH BANKRUPTCY. I am providing you with a list of those accounts, along with their respective account numbers, and a copy of the bankruptcy application where they were listed. It is imperative that the credit report accurately reflects the discharge of these accounts and shows a XXXX balance. List of Accounts Included in Bankruptcy : XXXX. XXXX XXXX XXXX : - [ Account : XXXX ] XXXX. XXXX XXXX XXXX : - [ Account : XXXX As a consumer, I am aware of the rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 ( a ) ( 1 ), which emphasizes the importance of fair and accurate consumer reporting in maintaining the integrity of the banking system. Pursuant to 15 USC 1681b, I am formally requesting in writing the documentation that demonstrates my written instruction or permission for the reporting of this inaccurate information, Bankruptcy Court is the entity who your agency verified furnished this information to your agency, DO NOT REPORT to any of the consumer agencies, XXXX, XXXX nor Equifax. So where did your agency get this information? It is my belief that the inclusion of this inaccurate information has not only damaged my creditworthiness but has also defamed my character, reputation, standing, capacity, and mode of livingall of which are direct violations of 15 USC 1681. Furthermore, I assert that the unauthorized reporting of such information constitutes Aggravated Identity Theft, as defined under 18 USC 1028b ( 1 ) ( A ) ( ii ). I am formally demanding compensation for each violation of my rights as a consumer under 15 USC 1681 ( n ), as follows : Permissible purpose violation : {$1000.00} Defamation of character : {$1000.00} Damaged reputation : {$1000.00} Damaged creditworthiness : {$1000.00} Damaged mode of living : {$1000.00} Infringement on the right to privacy : {$1000.00} I am hereby requesting that you Cease and Desist the reporting of this inaccurate and deceptive information on the consumer report immediately. Furthermore, I demand the prompt deletion of this account from the consumer report and all your systems. Your prompt attention to this matter is essential to rectify the damage caused by the inaccurate reporting. I anticipate a thorough investigation into this dispute and a timely resolution. Failure to comply with these requests may result in legal action to enforce my rights under the FCRA. INCLOSED DOCUMENTS : I have included letters FROM THE BANKRUPTCY COURTS and also PACER consumer reporting agency. States and response 's was, that Neither ( ONE ) of these agencies, The BANKRUPTCY COURTS nor PACER, DO NOT, report to any consumer reporting agenices. MUST BE DELETED LIKE YESTERDAY I insist that you immediately Cease and Desist the reporting of these erroneous and deceptive information on the consumer report. I am formally requesting the deletion of this account from the consumer report and all systems within your organization. Send money order check to address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OR XXXX Account : XXXX XXXX Thank you for your prompt attention to this matter. Yours Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX UCC 1-308i
Frequently Asked Questions
What is Complaint #9153097 about?
Complaint #9153097 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 2024-06-02T12:00:00-05:00.
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.