Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13419745
Complaint Overview
Complaint ID: 13419745
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: New Jersey
ZIP Code: 07052
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account - VIVE Financial Dear Equifax Dispute Resolution Team, I am writing to formally dispute the presence of a fraudulent account from XXXX XXXX that has appeared on my credit report. This account is inaccurate and does not belong to me. On XX/XX/year>, I submitted a dispute regarding this account, and I was informed by your team that the account had been verified as accurate. However, upon requesting specific methods of verification for this account, I received a subsequent communication from Equifax stating that the account was no longer listed on my credit profile. This conflicting information is concerning and unacceptable. To clarify, your recent correspondence indicates that the XXXX XXXX account is no longer on my profile, which I dispute as fraudulent. Upon checking my credit report XXXX XXXX account is under CLOSED ACCOUNT XXXX. I request that you immediately provide the methods of verification used to verify this account as legitimate. I am entitled to know how this account was verified, and which documentation was used. If Equifax can not provide this verification or if no legitimate documentation exists, I request that you immediately remove this account from my credit profile. Please note that continued inaccuracies can further damage my credit and are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect a resolution to this matter within the XXXXdays ' time frame allowed by the FCRA, for fraudulent account as required by law. Please send me a written response with the results of your investigation as soon as possible. Thank you for your prompt attention to this matter. I look forward to your immediate action. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13419745 about?
Complaint #13419745 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 2025-05-08T12:00:00-05:00.
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.