Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing issue -- Complaint #12833384
Complaint Overview
Complaint ID: 12833384
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-Issue: Was not notified of investigation status or results
State: Minnesota
ZIP Code: 55408
Date Received: 2025-04-04T12:00:00-05:00
Date Sent to Company: 2025-04-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted a formal credit dispute through the Equifax XXXX XXXX portal regarding a predatory loan reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), which was serviced by XXXX XXXX XXXX XXXX The dispute was supported by XXXX exhibits, including : Evidence of unauthorized charges A 31.66 % XXXX with a {$300.00} annual fee A legal inquiry sent to XXXX requesting debt validation under 15 U.S.C. 1692g BBB complaints showing XXXX unresolved issues against XXXX A formal complaint filed with the Missouri Attorney Generals Office After submitting the dispute, I was locked out of my Equifax account, unable to access or track the status of my dispute. I attempted to contact Equifax through their fax number ( XXXX ), but my fax attempt was blocked, as evidenced by the attached screenshot showing a fax failed notification. Additionally, I attempted to send critical, time-sensitive communication via email to Equifax at XXXX addresses, including XXXX and XXXX. However, my emails were blocked, and I was unable to submit necessary documentation or inquire about my dispute status. I have attached screenshots of the blocked email responses from XXXX servers to demonstrate that I was unable to communicate effectively through their official channels. To further complicate the matter, XXXX and XXXX XXXX XXXX XXXX have not responded to my multiple inquiries about the loan in question, and their failure to validate the debt under 15 U.S.C. 1692g leaves me in a legal limbo. They, too, are complicit in the ongoing violation of consumer rights by furnishing false information to Equifax without providing proper documentation, validation, or dispute resolution. Equifax has now failed in the following ways : 1. Locking me out of my account and denying me access to the dispute process XXXX. Blocking fax communication needed to restore access XXXX. Blocking my emails that were necessary to resolve the issue XXXX. Failing to respond to or resolve the dispute, even after I submitted clear evidence of predatory loan terms and fraudulent activity. I am now requesting the following : A full explanation of why my account was locked, and why my fax and email communication were blocked. Immediate restoration of my account and full access to the dispute process. A written response from XXXX and XXXX XXXX XXXX XXXX confirming their actions regarding the disputed loan. Confirmation that my dispute will be properly investigated under FCRA regulations, including verification of the XXXX exhibits I submitted.
Frequently Asked Questions
What is Complaint #12833384 about?
Complaint #12833384 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing issue. It was received by the CFPB on 2025-04-04T12:00:00-05:00.
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.