Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11391948
Complaint Overview
Complaint ID: 11391948
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: South Carolina
ZIP Code: 295XX
Date Received: 2025-01-05T12:00:00-05:00
Date Sent to Company: 2025-01-05T12:00:00-05:00
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, On [ date ], I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days but you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please see the reasons for dispute below. XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX Please investigate and delete from my credit report. Please investigate and delete from my credit report Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Please remove all accounts that are not METRO 2 COMPLIANCE. Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requests as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury My contact information is as follows : [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Thank You, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]
Frequently Asked Questions
What is Complaint #11391948 about?
Complaint #11391948 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 2025-01-05T12:00:00-05:00.
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.