Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12303697
Complaint Overview
Complaint ID: 12303697
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: South Carolina
ZIP Code: 29223
Date Received: 2025-03-03T12:00:00-05:00
Date Sent to Company: 2025-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX XXXX XXXX. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts. If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12303697 about?
Complaint #12303697 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 2025-03-03T12:00:00-05:00.
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.