Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9197516
Complaint Overview
Complaint ID: 9197516
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Ohio
ZIP Code: 43232
Date Received: 2024-06-06T12:00:00-05:00
Date Sent to Company: 2024-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, XXXX, and Equifax, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. Since XX/XX/year>, I have diligently sent dispute letters to XXXX, XXXX, and Equifax every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, XXXX, and Equifax adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.
Frequently Asked Questions
What is Complaint #9197516 about?
Complaint #9197516 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 2024-06-06T12:00:00-05:00.
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.