Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11076696
Complaint Overview
Complaint ID: 11076696
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: West Virginia
ZIP Code: 254XX
Date Received: 2024-12-08T12:00:00-05:00
Date Sent to Company: 2024-12-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a copy of my credit report from XXXX, Equifax, and XXXX and I noticed some late payments posted on my report. XXXX. XXXX XXXX XXXX Account number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number # XXXX Your company ( s ) ( creditors and credit bureaus ) is in clear violation of the law. Under 15 USC 1681b-permisable purpose of consumer reports, The LAW CLEARLY STATES ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give my written instructions to furnish these accounts on my credit report. Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) consumer report does not include ( A ) Subject to 1681s-3 of this title any- Report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report, the creditors and the credit bureaus are in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referred accounts and send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company, for which I will also be seeking {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance-616 Civil Liability for willful non compliance ( 15 USC 1681n ) By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681, you must complete this reinvestigation within 14 days of this receipt. I have included documents and my personal identification to prove my Identity and support my claim. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11076696 about?
Complaint #11076696 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 2024-12-08T12:00:00-05:00.
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.