Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12127834
Complaint Overview
Complaint ID: 12127834
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: California
ZIP Code: 92620
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I am writing to formally file a complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds credit reporting agencies civilly liable for negligent noncompliance. Despite my repeated efforts to dispute inaccurate and unverified information on my credit report, Equifax has failed to properly investigate and remove these items, as required by law. This negligence has caused me significant harm, including damage to my credit score, denial of credit opportunities, and emotional distress. I am aware that the CFPB recently filed a lawsuit against Equifax for failing to properly investigate consumer disputes and for failing to remove inaccurate information from credit reports. My experience aligns directly with the conduct described in that lawsuit. Specifically : Inadequate Investigations, Failure to Correct Inaccuracies, and Lack of Transparency. This pattern of behavior demonstrates that Equifaxs failures are systemic and ongoing, as evidenced by the CFPBs recent legal action.
Frequently Asked Questions
What is Complaint #12127834 about?
Complaint #12127834 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 2025-02-18T12:00:00-05:00.
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.