Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11769927
Complaint Overview
Complaint ID: 11769927
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: Illinois
ZIP Code: 60124
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
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, IL XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Accounts Dear Equifax , I am writing to formally demand the removal of the following inaccurate accounts from my credit report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX - Account # XXXX * This account is inaccurately showing as " XXXX XXXX '' on my credit report. XXXXXXXX XXXX is the original creditor. Additionally, the date of the report and the date of the last payment are incorrect. I request the immediate removal of this account from my credit report. XXXX. XXXX - Account # XXXX * The date of the last payment for this account is inaccurate. I demand its removal from my credit report. XXXX. XXXXXXXX XXXX - Account # XXXX * The date of the last payment reported for this account is inaccurate. I request the removal of this account from my credit report. XXXX. XXXX XXXX - Account # XXXX * The payment status for this account is inaccurately reported. I request that it be corrected to reflect the current status immediately. Your repeated failure to properly investigate consumer disputes was recently underscored by the {$50.00} million lawsuit filed against you by the Consumer Financial Protection Bureau ( CFPB ). This highlights a troubling pattern of noncompliance with your legal obligations to conduct thorough and accurate investigations. As a consumer, I am entitled to fair and lawful treatment under the FCRA. I insist that these accounts be removed or corrected within four ( 4 ) business days. Failure to comply will leave me with no choice but to file a formal complaint with the CFPB and pursue all available legal remedies to protect my rights. List of Violations : 1. Harassment and Abuse ( FDCPA, 15 U.S.C. 1692d ) * Engaging in conduct meant to harass, oppress, or abuse me, such as * Statutory Damages Requested : {$1000.00} 2. False or Misleading Representations ( FDCPA, 15 U.S.C. 1692e ) * Providing false information about the debt, including the false representation, e.g., misrepresenting the amount owed or threatening legal action that can not be taken ]. * Statutory Damages Requested : {$1000.00} 3. Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) * Using unfair or unconscionable means to collect the debt, such as the unfair practice, e.g., attempting to collect unauthorized fees or interest ]. * Statutory Damages Requested : {$1000.00} 4. Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) * Failing to provide proper validation of the debt after my request within the 30-day period. * Statutory Damages Requested : {$1000.00} 5. Communicating at Inconvenient Times ( FDCPA, 15 U.S.C. 1692c ) * Contacting me at inconvenient times, such as before XXXX XXXX or after XXXX XXXX, or at my place of work despite knowing it was inconvenient. * Statutory Damages Requested : {$1000.00} XXXX. Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) * Reporting inaccurate information to credit bureaus and failing to correct it after I disputed the information. * Statutory Damages Requested : {$1000.00} XXXX. Inadequate Investigation of Dispute ( FCRA, 15 U.S.C. 1681i ) * Failing to conduct a reasonable investigation of my dispute regarding incorrect information on my credit report. * Statutory Damages Requested : {$1000.00} Total Damages Requested : Given the multiple violations of federal law, I am requesting {$1000.00} in statutory damages for each violation listed above, for a total of {$7000.00}. Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me in writing once the corrections have been made. Sincerely, Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11769927 about?
Complaint #11769927 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 2025-01-22T12:00:00-05:00.
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.