Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12719458
Complaint Overview
Complaint ID: 12719458
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: Georgia
ZIP Code: 31093
Date Received: 2025-03-28T12:00:00-05:00
Date Sent to Company: 2025-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Deletion of Collection Account Credence Resource Management ( Account # XXXX ) Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of the following collection account currently listed on my Equifax credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX This account has recently been deleted from my XXXX credit report following a dispute, which suggests the information could not be verified or was found to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. When a credit bureau determines that information is unverifiable or inaccurate, it must be promptly deleted. Furthermore, per FCRA 15 U.S. Code 1681e ( b ), Equifax has an obligation to use reasonable procedures to assure the accuracy of information. If another major credit reporting agency ( in this case, XXXX ) has removed the account due to failure to verify, Equifax must also reconsider the validity and accuracy of the same account in my file. Given this, I am requesting that Equifax conduct an immediate investigation into this matter and delete the above-mentioned account from my report if it can not be verified with accurate and up-to-date documentation from the original creditor. Please provide a written response within 30 days of receiving this letter, as required by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12719458 about?
Complaint #12719458 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 2025-03-28T12:00:00-05:00.
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.