Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10434216
Complaint Overview
Complaint ID: 10434216
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Colorado
ZIP Code: 80220
Date Received: 2024-10-12T12:00:00-05:00
Date Sent to Company: 2024-10-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against XXXX XXXX XXXX regarding its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically related to its failure to correct inaccurate information on my credit report. Background : On XX/XX/year>, I discovered that XXXX was continuing to inaccurately report information to the credit bureaus. I promptly disputed the errors with XXXX, and after review, they acknowledged the mistake. XXXX assured me that the incorrect information would be removed and that they would cease reporting the erroneous details within 10 days of our communication. However, despite this assurance, the inaccurate information remains on my credit report to this day. I have filed multiple disputes with both XXXX and the credit bureaus, and each time, XXXX affirmed that there were errors in the information they were reporting. However, they have consistently failed to take the necessary corrective actions to remove the inaccurate information from my credit report. This failure to correct the erroneous information, despite multiple requests and their own acknowledgment of the error, constitutes a willful violation of the FCRA. Violation of FCRA : XXXX refusal to correct the acknowledged errors violates Section 623 of the FCRA, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. Additionally, their failure to resolve the issue after affirming the errors multiple times and promising to cease reporting the inaccurate information within the promised timeframe falls under Section 616 of the FCRA, which addresses civil liability for willful noncompliance. Due to XXXX willful noncompliance, I have suffered significant damage to my credit score, which has caused me personal and financial harm, including denial of credit and increased interest rates on financial products.
Frequently Asked Questions
What is Complaint #10434216 about?
Complaint #10434216 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-10-12T12:00:00-05:00.
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.