Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13321898
Complaint Overview
Complaint ID: 13321898
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: Investigation took more than 30 days
State: Kentucky
ZIP Code: 40511
Date Received: 2025-05-03T12:00:00-05:00
Date Sent to Company: 2025-05-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Dispute and Debt Validation Request under the FCRA and FDCPA To Whom It May Concern : This letter serves as a formal dispute and request for debt validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am writing to dispute an account listed on my credit report under the name XXXX XXXX XXXX with account number XXXX. I am requesting that you investigate and validate this account, and provide all documentation used to verify its accuracy. In accordance with the FCRA, please complete this investigation within 30 days. Please request the following information from the furnisher of this account : XXXX. A full payment history and breakdown of the alleged debt. XXXX. The name and address of the original creditor. XXXX. A copy of the original signed agreement. XXXX. Proof that the debt is within the statute of limitations for legal collection. XXXX. Documentation verifying the accuracy and legitimacy of the account. XXXX. Chain of title proving the debt was legally transferred to the current holder. If the furnisher of this information can not provide full verification, I request that this account be removed from my credit report entirely and that you provide confirmation of its deletion in writing. Failure to comply with these requirements may be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ). Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13321898 about?
Complaint #13321898 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 2025-05-03T12:00:00-05:00.
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.