Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9489946
Complaint Overview
Complaint ID: 9489946
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: Minnesota
ZIP Code: 55311
Date Received: 2024-07-11T12:00:00-05:00
Date Sent to Company: 2024-07-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681n Dear EQUIFAX, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681n. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report. 2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent. 3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report. 4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report. Under 15 U.S.C. 1681n, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees. I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences. 6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent. 7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal. 8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report
Frequently Asked Questions
What is Complaint #9489946 about?
Complaint #9489946 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 2024-07-11T12:00:00-05:00.
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.