Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12341782
Complaint Overview
Complaint ID: 12341782
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: South Carolina
ZIP Code: 29681
Date Received: 2025-03-05T12:00:00-05:00
Date Sent to Company: 2025-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this complaint regarding an inaccurate and unverifiable entry on my Equifax credit report. The entry in question is related to a XXXX XXXX account, which should no longer be reported for the following reasons : 1. The account has expired This debt is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ) and should have been removed from my credit file. 2. The debt was never verified I previously requested validation of this debt from both Equifax and the original creditor, yet no proof was ever provided to confirm that this debt is mine or that it was reported accurately. Since this information is outdated and unverifiable, it is a violation of the FCRA for it to remain on my credit report. I am formally requesting that Equifax immediately remove this erroneous entry from my file. Please investigate this matter and provide a resolution as soon as possible. If necessary, I can provide further details to assist with the investigation. Desired Resolution : Immediate removal of the XXXX XXXX entry from my Equifax credit report. Thank you for your time and assistance. I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes for XXXX XXXX for 7 years. I want to bring to your attention that both Equifax and XXXX have faced legal action for similar violations. Specifically : Equifax & TransUnion Settlements : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. Recent CFPB Enforcement : In XXXX, the CFPB took action against [ Equifax/TransUnion ] for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. XXXX Equifax Data Breach Lawsuit : Equifax has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. Given this history of legal violations, I am requesting that [ Equifax/TransUnion ] promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. I expect a response and resolution within the required 30-day period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Frequently Asked Questions
What is Complaint #12341782 about?
Complaint #12341782 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 2025-03-05T12:00:00-05:00.
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.