Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11823138
Complaint Overview
Complaint ID: 11823138
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 300XX
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Address Update, Reissuance of Payment, and Damages for Equifax Settlement Dear Settlement Administrator, I am reaching out regarding my Equifax settlement payment, which I have not received due to a change in my address. I sold my previous home at XXXX XXXX XXXX, XXXX, GA XXXX, and no longer have access to the mail. I have been in contact with a representative named XXXX, who instructed me to send this email with the necessary information to update my address and request a reissuance of my settlement payment. Below is the updated information for my address : Full Name : XXXX XXXX Claim Number : XXXX Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Additionally, I spoke with a representative named XXXX on XX/XX/XXXX, who confirmed my address had not yet been updated. Unfortunately, XXXX informed me that no supervisors were available to assist, and several questions I asked were not answered. She also confirmed that the settlement check was mailed to my old address on [ XX/XX/year> ], which I no longer have access to, as the property was foreclosed upon by the bank. I have received confirmation from the bank and the settlement administrator that the check was never cashed, which further supports my claim. I have been trying to update my address for over 60 days, and all my calls have been recorded. I have four calls where I confirmed the necessary steps to change my address. Despite this, I have received conflicting information from each representative. The most recent representative I spoke to today stated there is no set time frame for updating an address in your system. This ongoing issue has caused significant stress and financial hardship. Due to the delays and mishandling, I am seeking {$58000.00} in damages for emotional distress and financial inconvenience. Additionally, if a resolution is not reached promptly, I am considering retaining XXXX XXXX XXXX out of XXXX, to pursue further legal action. I kindly request the reissuance of my payment and a resolution to the address update issue as soon as possible. Please advise on the next steps and let me know how we can move forward to settle this matter. Thank you for your prompt attention to this issue. I look forward to your timely response. Sincerely, XXXX XXXX Claim Number : XXXX Phone : XXXX
Frequently Asked Questions
What is Complaint #11823138 about?
Complaint #11823138 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. 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 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.