Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9597253
Complaint Overview
Complaint ID: 9597253
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: Georgia
ZIP Code: 30350
Date Received: 2024-07-23T12:00:00-05:00
Date Sent to Company: 2024-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. I am devastated by the ongoing struggle with both Equifax and XXXX to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. These agencies are not adhering to the standards required by law, and I feel helpless. Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. - Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. - Outdated and incorrect personal information remains on my report. - Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Frequently Asked Questions
What is Complaint #9597253 about?
Complaint #9597253 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 2024-07-23T12:00:00-05:00.
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.