Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12025559
Complaint Overview
Complaint ID: 12025559
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: Problem with personal statement of dispute
State: Puerto Rico
ZIP Code: 00727
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PR XXXX Phone : XXXX Email : XXXX Date : XXXX, XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX Request to Dispute Negative Information on My Credit Report Under Consumer Law, 15 USC 1681 ( 0 ). Dear Sir/Madam, I am writing to formally dispute the negative information contained in my credit report. I have reviewed my credit reports issued by the major credit bureaus ( Equifax, Experian, and TransUnion ) and have identified information that I believe is inaccurate, outdated, and harmful to my credit score. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with credit reporting rules, I am requesting that the negative accounts be removed from my credit report. Identification Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX The accounts I am referring to, which should be removed, include but are not limited to those marked as " charge-off '', " unpaid '', or any other label indicating negative information. These accounts have been previously disputed with the credit bureaus, and under the law, the negative information must be corrected or removed if it is not accurate or no longer reflects my current financial situation. In accordance with the FCRA and the rules established by the CFPB, I request that : 1. All negative accounts on my credit report that are not accurate or do not reflect the current status of the debts be removed. 2. Any errors related to my personal information, such as my name, address, Social Security number, and date of birth, be corrected if they are incorrect on my report. 3. A proper investigation be conducted into each account, and if the accuracy of the information can not be verified, it should be removed from my credit report. I am attaching supporting documents, including a copy of my credit report, payment receipts, previous dispute records, and a copy of my personal identification as evidence to support my request. In compliance with my rights under the FCRA and consumer law, I request that this dispute be processed and resolved promptly. I would appreciate the necessary steps being taken to correct my credit report and that I be informed of the outcome of the investigation. I look forward to receiving confirmation of the resolution of this matter as soon as possible, either by email or postal mail. If additional information or documents are required, please feel free to contact me. Thank you for your attention and timely resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12025559 about?
Complaint #12025559 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 2025-02-10T12:00:00-05:00.
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.