Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11290566
Complaint Overview
Complaint ID: 11290566
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: Was not notified of investigation status or results
State: Texas
ZIP Code: 77493
Date Received: 2024-12-26T12:00:00-05:00
Date Sent to Company: 2024-12-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Request for Description of Investigation Process and Dispute of Inaccurate Late Payments and Account Discrepancies on XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies and discrepancies in the reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Specifically, I am disputing inaccurately reported late payments for XXXX and inconsistencies in key account details across your bureau. I previously submitted disputes on XX/XX/XXXX and XX/XX/XXXX, yet no changes have been made. Late Payment Errors : The reported late payments for the following dates are inaccurate : Equifax : XXXX, XXXX, XXXX, and XX/XX/XXXX XXXX and XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX Discrepancies in Reported Account Information : High Balance : XXXX and Equifax report a high balance of {$30000.00}, while XXXX reports {$0.00}. Last Verified Date : Both XXXX and Equifax omit the last verified date, while XXXX lists XX/XX/XXXX. Date of Last Activity : XXXX reports the date of last activity as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX, and Equifax does not provide a date. Closed Date : Only XXXX lists a closed date of XX/XX/XXXX, while XXXX and Equifax omit this information. Account Rating : XXXX lists the account rating as " Closed, '' while XXXX and Equifax list it as " Paid. '' Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), all information on consumer reports must be accurate and complete. The inaccuracies and discrepancies listed above negatively affect my credit report and must be corrected. Additionally : 15 USC 1681s-2 : Obligates data furnishers to report accurate information. 15 USC 1681i ( 7 ) : Requires credit reporting agencies to provide a detailed description of their investigation process. 15 USC 1666 ( b ) : Mandates that periodic statements must be provided to consumers at least XXXX days before the due date. Actions Requested : Remove the inaccurately reported late payments for XXXX from my account history. Correct all discrepancies in the reporting of my account, including high balance, last verified date, date of last activity, closed date, and account rating. Update the account to reflect the accurate status of " Paid As Agreed, Never Late. '' Provide a detailed description of the investigation process, including the evidence used to verify the account information, as required by 15 USC 1681i ( 7 ). If unable to verify the accuracy of the reported late payments and discrepancies, promptly delete this information from my credit report. Reference to XXXX ( Paid As Agreed, Never Late ) : The terms of my agreement with XXXX XXXX have always been adhered to. The account history should reflect " Paid As Agreed, Never XXXX, '' accurately representing my financial responsibility. Failure to address these inaccuracies and provide a response within the legally mandated XXXX days will be considered a violation of the FCRA. Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a written response detailing the outcome of your investigation. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11290566 about?
Complaint #11290566 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 2024-12-26T12:00:00-05:00.
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.