Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11917668
Complaint Overview
Complaint ID: 11917668
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: 31405
Date Received: 2025-02-03T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am submitting a formal complaint against Equifax, for failing to conduct a reasonable investigation into a dispute I initiated regarding inaccuracies on my credit report. The actions of Equifax violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, which requires a credit reporting agency to conduct a reasonable investigation of any disputed information. On several occasions, I filed a dispute with Equifax regarding an inaccurate entry on my credit report related to Within 24 hours, Equifax verified the information as accurate and failed to provide any supporting documentation or evidence to substantiate their verification. This hasty verification process is concerning, as the FCRA mandates that an investigation be thorough, and the disputed information be reasonably verified, including contacting the source of the information and ensuring the accuracy of the details provided. As a result, the inaccurate entry remains on my credit report, and I have not received any proof of verification from Equifax, which is a violation of my rights under FCRA 1681i. The law clearly states that credit bureaus must conduct an adequate investigation, not a quick or superficial review. By verifying the dispute within 24 hours without providing any documentation or proper validation, Equifax has failed to uphold its legal obligations. I am also aware of a lawsuit currently underway against Equifax for their failure to perform reasonable investigations in accordance with the FCRA. This case further underscores the ongoing issue of credit reporting agencies neglecting their duties and violating consumer rights. I am requesting that the CFPB investigate this matter to ensure that Equifax complies with its legal obligations under the FCRA and performs a proper, reasonable investigation into my dispute. I also request that they provide the necessary documentation to verify the disputed information or remove the inaccurate entry from my credit report. Listed below are the accounts i have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11917668 about?
Complaint #11917668 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 2025-02-03T12:00:00-05:00.
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.