Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10544592
Complaint Overview
Complaint ID: 10544592
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: Problem with personal statement of dispute
State: Michigan
ZIP Code: 48141
Date Received: 2024-10-22T12:00:00-05:00
Date Sent to Company: 2024-10-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am escalating this dispute against XXXX XXXX XXXX concerning the dubious, and as of yet unverified, account currently listed on my credit report. Not only has this alleged account been marked 60 days late in recent days, but it was also previously flagged as a charge-off, demonstrating that XXXX is not just playing fast and loose with my financial reputation but outright double-dipping in violation of multiple federal laws. Lets not mince words : this is a blatant abuse of consumer protection statutes, and XXXX will be held fully accountable for these unlawful practices. Let me make it clear : I have the right to privacy under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), and XXXX has completely failed to properly verify this alleged account. I am now formally demanding the removal of this entry from my credit report due to illegitimacy and lack of verification. Furthermore, Upstarts failure to adhere to the statutory requirements entitles me to seek {$1000.00} per violation, and I expect nothing less for the infringements they have committed. Since XXXX has dragged its feet on verifying this debt, lets dissect every part of their process. I demand to know : Who is responsible for verifying this alleged debt? I want names, starting with the employee assigned to this case, their supervisors, the managers, and yes, the managers ' managers. I want to know who signed off on this. Provide the step-by-step procedure that was followed to allegedly verify this debt. From the moment this account was opened to this point of dispute, I want to see every detail, every transaction, every " verification '' processand I expect this to include the lunch breaks your employees took while they were allegedly " confirming '' this debt. Were they thinking clearly while handling this? Show me the complete e-signature trailI want confirmation of every keystroke that led to this alleged account being tied to my name. Where is the wet signature? Where is the evidence that I agreed to any terms? Upstart can not hide behind a veil of ambiguity. The Truth in Lending Act ( 15 U.S.C. 1601 ) mandates that these records be readily accessible and transparent. What software was used to " verify '' my identity? I want the program version, the interface used, the names of the employees who conducted this verification, and all internal notes regarding this account. Who pressed submit, and what was their lunch preference that day? How did XXXX handle the charge-off while still reporting delinquencies? The debt was allegedly charged-off, yet here we are with a recent 60-day late marker. This isn't just sloppyit 's fraudulent. Have they perhaps claimed this on their taxes as a bad debt loss while continuing to report it? If so, I will gladly take this to the IRS for a full investigation into their tax practices. If Upstart can not immediately comply with this request in full transparency, they are failing not only under the Fair Credit Reporting Act, but they are also complicit in the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) violations, as well as potentially facing fraud charges. By attempting to collect on an account that they have already deemed a charge-off, they are effectively engaging in fraudulent reporting, which constitutes grounds for legal action. I expect to see a full breakdown of who is responsible, what procedures were followed, and every document used to verify this alleged account. I want timelines, dates, times, employee rosters, and complete records that show complianceor the lack thereof. Anything short of full transparency will be escalated with further legal actions.
Frequently Asked Questions
What is Complaint #10544592 about?
Complaint #10544592 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 2024-10-22T12:00:00-05:00.
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.