Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10879328
Complaint Overview
Complaint ID: 10879328
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: Illinois
ZIP Code: 60133
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXX XXXX Bank : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by Credit Grantor '' Credit Card These comments fail to address the inaccuracies I previously disputed. Equifaxs reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable. The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. Credit Limit : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. Payment Status : Differences in the " XXXX days late '' status reported across the bureaus. Last Reported Date : Dates do not match. Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXX, while Equifax shows XX/XX/XXXX. Equifax directed me to contact XXXX XXXX Bank at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. This is an evasion of Equifaxs responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number XXXX. Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. Equifaxs failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.
Frequently Asked Questions
What is Complaint #10879328 about?
Complaint #10879328 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 2024-11-19T12:00:00-05:00.
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.