Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10987771
Complaint Overview
Complaint ID: 10987771
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: Alabama
ZIP Code: 361XX
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/year> Consumer Financial Protection Bureau Supervisor, Legal Department XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. I am sure you are aware and understand that it is required by Federal law that Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. Im thanking you in advance for attending to my requests promptly XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10987771 about?
Complaint #10987771 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 2024-12-01T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.