Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13331074
Complaint Overview
Complaint ID: 13331074
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: Illinois
ZIP Code: 60609
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute Inaccurate Reporting by Portfolio Recovery Associates To Whom It May Concern : I am writing to formally dispute and request an investigation into the reporting of an account listed under XXXX XXXX XXXX ( or XXXX XXXX ) on my credit report. This account is currently being reported inconsistently across XXXX, Equifax, and XXXX, which constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). The discrepancies include the following : Different account opening dates Conflicting or inaccurate closing dates Mismatched terms or duration of the account Incorrect type of account listed ( e.g., installment vs. collection ) Inconsistent or inaccurate payment history This inconsistent information is affecting my credit profile and could impact lending decisions. As the data furnisher, XXXX XXXX XXXX is legally required to ensure that all furnished information is accurate, complete, and verifiable across all consumer reporting agencies. Requested Action : I am formally requesting that you : 1. Investigate the discrepancies in this account with XXXX XXXX XXXX 2. delete any unverifiable or inaccurate information 3. Provide written confirmation of the outcome of your investigation within the time frame mandated by law ( 30 days under the FCRA ) Enclosed are copies of my credit reports from each bureau, with the XXXX XXXX entry highlighted and discrepancies noted, along with a copy of my government-issued ID and proof of address. Thank you for your attention to this matter. I look forward to your timely resolution of this dispute. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13331074 about?
Complaint #13331074 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 2025-05-04T12:00:00-05:00.
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.