Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12390863
Complaint Overview
Complaint ID: 12390863
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: New York
ZIP Code: 14420
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] XXXXXXXX XXXX XXXXXXXX [ XXXX ] XX/XX/year> [ XXXX XXXX. ] [ Credit bureau dispute. ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Billing Error - XXXX Dear TransUnion. ], I am writing to formally dispute a billing error on my account, [ XXXX ], in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ). On my most recent statement, I believe there is a billing error regarding the amount of $ [ XXXX ]. Specifically, I believe that the charge reflects an extension of credit that was not made, or the amount charged is incorrect. I respectfully request that you investigate this matter and provide me with the necessary documentation to support the charge ( s ) on my account. As per the Fair Credit Billing Act, I am providing the following details for your reference : [ XXXX, XXXX ]. The reason I believe this is a billing error : payment was never late. I would appreciate it if you could correct this error within 30 days of receiving this notice, as required by law. I also request that you provide me with written acknowledgment of your receipt of this dispute and the steps being taken to resolve it. Please ensure that any future actions to collect the disputed amount, or any part thereof, are suspended until the matter is resolved. In addition, I request that you provide me with any supporting documentation or clarification that explains why this charge has been applied to my account. Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by law. Sincerely, [ XXXX XXXX XXXX ]
Frequently Asked Questions
What is Complaint #12390863 about?
Complaint #12390863 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 2025-03-09T12:00:00-05:00.
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.