Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12792842
Complaint Overview
Complaint ID: 12792842
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: Texas
ZIP Code: 794XX
Date Received: 2025-04-01T12:00:00-05:00
Date Sent to Company: 2025-05-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Services . I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law. As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 2Imposing appropriate penalties for their negligence. 3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. I urge the CFPB to take swift action to hold XXXX accountable for their negligence. Thank you for your time and assistance. I look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12792842 about?
Complaint #12792842 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 2025-04-01T12:00:00-05:00.
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.