Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11076954
Complaint Overview
Complaint ID: 11076954
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: New Hampshire
ZIP Code: 030XX
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
Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 611, in handling my dispute regarding fraudulent information on my credit report. Previous Dispute Submitted to Equifax : XX/XX/XXXXXXXX CFPB Case Number : XXXX Equifax recently closed my dispute without blocking the fraudulent late payment. This violates FCRA 605B, which mandates that fraudulent information be blocked from a consumer 's credit report within four business days of receiving proper documentation. I am a victim of identity theft and the Equifax data breach. The fraudulent late payment pertains to an auto loan opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. It was reported as delinquent in XX/XX/XXXX. I do not recognize this late payment or the account and have provided substantial evidence supporting my claim, including : A valid identity theft affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) Proof of address A copy of my government-issued identification Documentation linking me to the Equifax data breach Despite receiving this evidence, Equifax failed to block the disputed items within the four business days required by FCRA 605B . Instead, they " verified '' the fraudulent accounts without disclosing the sources or evidence used, violating FCRA 611. Equifax has not blocked the fraudulent late payment from my credit file, as required under 605B of the FCRA. This non-compliance is particularly egregious given that I am a known victim of the Equifax data breach. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Equifax 's investigation did not meet the standards outlined in 611. They failed to provide details of their verification process, including the sources and furnishers contacted. This lack of transparency undermines my right to accurate credit reporting.
Frequently Asked Questions
What is Complaint #11076954 about?
Complaint #11076954 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.