Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12987316
Complaint Overview
Complaint ID: 12987316
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: California
ZIP Code: 951XX
Date Received: 2025-04-14T12:00:00-05:00
Date Sent to Company: 2025-04-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account is being reported only on my Equifax credit report, but it is absent from both XXXX and XXXX, suggesting that the information is either incomplete or unverifiable. In addition : There is no scheduled or actual payment history included with the reporting. The date of last activity is missing, and there is no recent verification of accuracy. No contact attempts or validation efforts have been made by XXXX XXXX XXXX. There is no accessible evidence that this account is accurate or belongs to me. Legal Violations : This reporting violates the Fair Credit Reporting Act : FCRA 1681e ( b ) failure to maintain complete and accurate reporting across credit bureaus FCRA 1681i ( a ) failure to verify disputed account information.
Frequently Asked Questions
What is Complaint #12987316 about?
Complaint #12987316 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 2025-04-14T12:00:00-05:00.
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.