Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11822512
Complaint Overview
Complaint ID: 11822512
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: Georgia
ZIP Code: 31419
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Equifax for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report. 15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information. 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information. 15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. I have sent multiple dispute letters to Equifax requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Equifax has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. I am requesting the CFPB to investigate Equifax 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.
Frequently Asked Questions
What is Complaint #11822512 about?
Complaint #11822512 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 2025-01-28T12:00:00-05:00.
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.