Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12694047
Complaint Overview
Complaint ID: 12694047
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: Investigation took more than 30 days
State: Massachusetts
ZIP Code: 01960
Date Received: 2025-03-26T12:00:00-05:00
Date Sent to Company: 2025-03-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. XXXX XXXX XXXX XXXX XXXX - I do not recall ever being late on this account. I asked for the date that I was late but no date was ever provided to me. The 'last activty ' dates are all different as well as 'last reported ' and 'date of last payment. ' This suggest a billing error. Please update this account to never late. XXXX - XXXX - This is an open account with inaccurate late payments across the three bureaus which is clear to see there is a billing error. The 'last activity ' dates are wrong, the 'high balance ' is incorrect, 'last reported " dates are wrong, as well as 'last payment ' date. Please update this account to never late due to these billing errors. XXXX XXXX XXXX XXXX - This account is reporting positive with no lates on Transunion. How can that be? The 'date opened " dates are inaccurate, as well as the 'hgh balance. ' There are also three different statuses reflected for this account. One bureau says that 'last activity ' date was XXXX while one says XXXX and the other says XXXX. I would appreciate you updating this account to never late due to the many billing errors. XXXX XXXX - XXXX - XXXXhe 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. XXXX XXXX - XXXX - XXXX 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. XXXX - XXXX - XXXX 'payment history ' is different across the three bureaus which suggests a billing error. Please delete. XXXX - XXXX - This account is listed as a collection but reporting as open with XXXX. Please delete. XXXX - XXXX - The 'payment history ' is different between Equifax & Experian , which suggest a billing error. Please delete this account. XXXX XXXX XXXX XXXX XXXX XXXX - I do not know why this is reporting when I only have one address and this is not my address.
Frequently Asked Questions
What is Complaint #12694047 about?
Complaint #12694047 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 2025-03-26T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.