Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11331112
Complaint Overview
Complaint ID: 11331112
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 York
ZIP Code: 11204
Date Received: 2024-12-30T12:00:00-05:00
Date Sent to Company: 2024-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to bring to your attention a significant error in my credit report. A previous request was made to investigate and verify a bankruptcy listing on my credit report. Your response stated that the bankruptcy had been verified with the appropriate bankruptcy court. Upon receiving your response, I took the initiative to contact the court myself. I was informed that neither my full Social Security number nor any information concerning bankruptcy cases is provided to any credit bureau. I have enclosed a copy of the response from the court, which clearly refutes your claim that the bankruptcy was verified. It is clear they do not report to you or to any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C 1681 and the information must be UPDATE immediately. According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days. Furthermore, Section 623 of the FCRA requires furnishers of information to provide accurate information to credit bureaus. The information relating to the bankruptcy in question, detailed as follows : XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2023
Frequently Asked Questions
What is Complaint #11331112 about?
Complaint #11331112 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 2024-12-30T12:00:00-05:00.
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.