Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12112884
Complaint Overview
Complaint ID: 12112884
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: Investigation took more than 30 days
State: Missouri
ZIP Code: 64015
Date Received: 2025-02-17T12:00:00-05:00
Date Sent to Company: 2025-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Follow-Up Complaint Equifax Unjustified Request for Personal Information CFPB Case number XXXX Complaint Details : I previously submitted a complaint to the CFPB regarding Equifaxs failure to provide documentation when requested during multiple credit disputes. In response to my CFPB complaint, Equifax is now requiring me to submit proof of address and a government-issued ID to proceed with resolving my complaint. I believe this request is unnecessary and unrelated to my original complaint, as I am not disputing my identity but rather XXXX failure to provide supporting documentation for their dispute determinations. Additionally, Equifax had no issue processing my prior disputes without such documentation, which raises concerns about whether this request is being used as a barrier to resolving my complaint. I am requesting that the CFPB review XXXX actions and determine whether this additional request is justified. I believe Equifax should be required to address my complaint based on the merits of the case without imposing undue verification requirements that were not originally necessary. Desired Resolution : I request that Equifax be required to respond to my original complaint without unnecessary requests for ID and proof of address. I ask that the CFPB review whether Equifax is using this as a delay tactic to avoid compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #12112884 about?
Complaint #12112884 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 2025-02-17T12:00:00-05:00.
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.