Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11771005
Complaint Overview
Complaint ID: 11771005
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: Mississippi
ZIP Code: 39503
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Heres a rewritten version of the text for your credit repair dispute : I am filing a complaint against Equifax for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting supporting evidence, Equifax consistently responds within 24 hours, claiming the account is accurate, without demonstrating evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative actions. as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Frequently Asked Questions
What is Complaint #11771005 about?
Complaint #11771005 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 2025-01-24T12:00:00-05:00.
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.