Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13397465
Complaint Overview
Complaint ID: 13397465
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: 93101
Date Received: 2025-05-07T12:00:00-05:00
Date Sent to Company: 2025-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax sent me a letter dated XX/XX/XXXX saying that they received my request concerning inaccurate information in my Equifax credit file. They said they were unable to locate my credit file in their database and that they needed additional documents. They previously sent me a credit report confirmation number : XXXX dated XX/XX/XXXX. They lied to me in the XX/XX/XXXX letter! How else would they have sent a complete credit report only six days earlier dated XX/XX/XXXX? They were asking me for two different categories of information such as my social security number which is included in the report they mailed me dated XX/XX/XXXX. They were asking for proof of address when they have already sent me the complete credit report w/ the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address in it. They even back in XXXX confirmed this address and over the phone I told them I have been living here for over 7 years. This is a violation of the FCRA to claim they can't locate a file when of course they just sent out a complete credit report dated XX/XX/XXXX which I have included an uploaded picture of in this complaint. It is a violation of the FCRA to obstruct my reasonable requests for them to remove inaccurate information. Thank you.
Frequently Asked Questions
What is Complaint #13397465 about?
Complaint #13397465 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 2025-05-07T12:00:00-05:00.
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.