Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12958803
Complaint Overview
Complaint ID: 12958803
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: South Dakota
ZIP Code: 57006
Date Received: 2025-04-12T12:00:00-05:00
Date Sent to Company: 2025-04-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Request for Reinvestigation Violation of the Fair Credit Reporting Act To the CFPB : I am writing to formally submit a second request for reinvestigation concerning the account listed below, which continues to appear on my credit report despite my prior dispute. The inaccuracies in this account are causing significant harm to my credit score : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The continued reporting of this inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ), including : Title VI, Section 611, Subsections ( a ) through ( d ) ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must conduct a reasonable and complete reinvestigation when a consumer disputes information. 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Failure to remove or correct inaccurate information after a valid dispute also constitutes non-compliance under the FCRA. Therefore, I am demanding an immediate and thorough reinvestigation. I also request that : 1. You provide in writing the full name, title, and business address of each individual or organization with whom the disputed information was verified. 2. I receive an updated copy of my credit report once the reinvestigation is completed. 3. The disputed account be promptly deleted from my credit file if it can not be fully verified with valid and documented evidence. This matter is severely affecting my ability to obtain fair credit and is a clear obstruction of my rights as a consumer. I expect a formal response and immediate corrective action in accordance with the FCRA.
Frequently Asked Questions
What is Complaint #12958803 about?
Complaint #12958803 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 2025-04-12T12:00:00-05:00.
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.