Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10649001
Complaint Overview
Complaint ID: 10649001
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: Investigation took more than 30 days
State: New Jersey
ZIP Code: 07601
Date Received: 2024-10-31T12:00:00-05:00
Date Sent to Company: 2024-10-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! Here are the items that I need to have fully verified as being 100 % accurate : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX AV XXXX XXXX, NY XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Account is Settled Paid as agreed. Please Update the payment history to paid on time in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #10649001 about?
Complaint #10649001 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 2024-10-31T12:00:00-05:00.
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.