Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11248190
Complaint Overview
Complaint ID: 11248190
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: Iowa
ZIP Code: 52404
Date Received: 2024-12-21T12:00:00-05:00
Date Sent to Company: 2024-12-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Second Dispute for Inaccurate Information Request for Immediate Deletion Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Original XXXX Dear equifax, I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested validation of the collection account listed on my credit report with your bureau. I have yet to receive a satisfactory response or proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As per my initial request, I sought validation of this debt, including documentation such as my signature or a contract to verify its legitimacy. To date, no such verification has been provided. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is accurate, verifiable, and complete. As the debt in question has not been properly validated, I assert that it is inaccurate and unverifiable. Additionally, Section 809 of the FDCPA mandates that a debt collector must validate a debt when requested by the consumer, and failure to do so results in the debt being considered invalid. Since no proper validation has been provided, this debt should be removed from my credit report. Therefore, I request the immediate deletion of this collection account from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which can lead to significant penalties for non-compliance. Please update me on the status of this dispute within 30 days, as required by law. If this account is not deleted, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. Thank you for your prompt attention to this matter. I expect a resolution in accordance with the law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11248190 about?
Complaint #11248190 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 2024-12-21T12:00:00-05:00.
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.