Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11976497
Complaint Overview
Complaint ID: 11976497
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: 640XX
Date Received: 2025-02-05T12:00:00-05:00
Date Sent to Company: 2025-02-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Per XXXX USC XXXX ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. Per XXXX USC XXXX ( b ) Accuracy of Report : Equifax must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. Please verify and validate the following accounts : XXXX XXXX Charge Off on XXXX & XXXX Missing pymt. history Credit limit reporting on closed account Available credit reporting on closed account XXXX XXXX XXXX XXXX reporting on closed account Available credit reporting on closed account XXXX XXXX Credit limit reporting Available credit reporting Missing payment history XXXX XXXX 60 days late in XX/XX/XXXX, on time XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Available credit reporting 60 days late in XX/XX/XXXX on time in XX/XX/XXXX XXXX XXXX XXXX Credit limit reporting Available credit reporting Please provide the following : -Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( XXXX XXXX ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( XXXX XXXX ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. -The business names and addresses of all entities used to verify and validate information in question to allow me to follow up
Frequently Asked Questions
What is Complaint #11976497 about?
Complaint #11976497 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 2025-02-05T12:00:00-05:00.
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.