Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12269741
Complaint Overview
Complaint ID: 12269741
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: Florida
ZIP Code: 33322
Date Received: 2025-02-27T12:00:00-05:00
Date Sent to Company: 2025-02-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received the results of a dispute I filed with Equifax under Confirmation # XXXX. My dispute requested that Equifax update the payment history on several open accounts that I have always paid on time, as they were missing payment history on my credit report. Instead of correcting the missing data as requested, Equifax deleted these accounts entirely from my credit file, which was done in error. The Equifax dispute results, which I am submitting as supporting evidence, specifically show that the following accounts were wrongfully deleted instead of updated : XXXXXXXX XXXX XXXX XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) These accounts were in good standing and were an essential part of my credit history. I did not request these accounts to be removed, nor was I informed that deletion was a possible outcome of my dispute. Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) in multiple ways : FCRA 611 ( a ) Equifax is required to conduct a reasonable reinvestigation of disputed information and ensure the accuracy of my credit file. Instead of correcting the accounts as requested, they took the extreme and unnecessary step of removing them entirely. FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Deleting positive, accurate accounts instead of making a minor update is not a reasonable procedure. FCRA 623 ( a ) ( 2 ) Information providers must promptly correct and update information when they become aware of inaccuracies. If the furnishers of these accounts did not request their removal, Equifax must reinstate them. I have attached a copy of Equifaxs dispute results ( pages 3-4 ), which confirm that these accounts were deleted in error.
Frequently Asked Questions
What is Complaint #12269741 about?
Complaint #12269741 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 2025-02-27T12:00:00-05:00.
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.