Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13649049
Complaint Overview
Complaint ID: 13649049
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: Texas
ZIP Code: 77532
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, Subject : Unresolved Dispute Regarding Credit Report Item I am writing to formally state that I have made several attempts to resolve a dispute concerning an inaccurate item on my credit report. Despite following the appropriate procedures and submitting the necessary documentation to the credit bureaus, the matter remains unresolved. The responses I have received from the credit bureaus have not addressed the specific details of my original complaint. In fact, the replies have been either irrelevant or generic in nature, failing to provide the correct or pertinent information related to my dispute. I have acted in good faith to rectify this issue and request that this matter be reviewed thoroughly and the inaccurate item be removed from my credit report promptly due to the fact that the credit bureau has not been able to provide debt verification or proof of how the debt was verified in over 90 days and they are in fact in violation of the FCRA. Please consider this letter as part of my continued effort to resolve this matter. I appreciate your attention and timely response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13649049 about?
Complaint #13649049 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 2025-05-21T12:00:00-05:00.
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.