Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9842052
Complaint Overview
Complaint ID: 9842052
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: New Jersey
ZIP Code: 070XX
Date Received: 2024-08-18T12:00:00-05:00
Date Sent to Company: 2024-08-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute an incorrect closed account that appears on my credit report, which I have recently reviewed. The details of the account are as follows : Account Holder 's Name : XXXX XXXX Creditor Name : XXXX Date of Account Closure : XX/XX/year> This account is not mine and I have no affiliation with the creditor listed there was no account number ever posted on my credit report. I have never had any financial dealings or relationships with this creditor. This inaccurate information is adversely affecting my credit score and financial reputation. To resolve this issue, I kindly request the following actions : Investigation and Correction : Please conduct a thorough investigation into this matter and remove the incorrect account from my credit report. Confirmation of Removal : Once the account is removed, please provide me with written confirmation that the account has been deleted from my credit report. Enclosed with this letter are copies of my credit report highlighting the inaccurate account, as well as any relevant identification documents that XXXX assist in verifying my identity. I appreciate your prompt attention to this matter and request that you address this issue within the timeframe outlined by the Fair Credit Reporting Act. I would also like a follow up on the status of my report via mail and email.
Frequently Asked Questions
What is Complaint #9842052 about?
Complaint #9842052 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 2024-08-18T12:00:00-05:00.
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.