Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11771322
Complaint Overview
Complaint ID: 11771322
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: Missouri
ZIP Code: 646XX
Date Received: 2025-01-23T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Request for Removal of Collection Account Due to CFPB Lawsuit, Harassment, and Dispute Letter To Whom It May Concern, I am writing to request the removal of a collection account from my credit report. This request is based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX alleging deceptive practices in their lease-to-own agreements. Additionally, I have experienced repeated harassment from XXXX. The first call I received was on XX/XX/XXXXXXXX XXXX XXXX XXXX followed by another on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX called me first and then proceeded to call my wife. During the call with my wife, they made threats to process paperwork against me. This unprofessional and intimidating behavior violates fair debt collection practices. I have previously sent a formal dispute letter regarding this matter. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I may be entitled to up to {$1000.00} in statutory damages for XXXX violations of my rights. Given these circumstances, I believe the collection account is inaccurate and should be removed immediately. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11771322 about?
Complaint #11771322 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 2025-01-23T12:00:00-05:00.
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.