Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13709182
Complaint Overview
Complaint ID: 13709182
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: Mississippi
ZIP Code: 395XX
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have requested the exactly documentation used in investigations and purchase agreements for said accounts, showing ownership of of accounts in dispute. Experian and Equifax is refusing to send me the documentation and purchase agreements. Instead they continually send me a copy of my credit report stating certain accounts are verified and others were not but showing no proof of ownership for each said account. Request for Documentation Under 15 U.S.C. 1681i Regarding Disputed AccountsTo Whom It May Concern, I am writng to formally request, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a detailed description of the procedures used during the reinvestigation of the following disputed acounts on my credit report:1. XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # XXXX the FCRA, I am entitled to : A description of the reinvestigation procedures used concerning my disputes. The name, address, and telephone number of any furnisher of information contacted during the reinvestigation. A copy of all documents, records, or other information that were part of the reinvestigation process. Please provide the above information for each of the accounts listed. If any information canot be provided, kindly specify the reason and the legal basis for the denial.I appreciate your prompt atention to this matter and expect a response within the 30-day period as stipulated by the FCRA.
Frequently Asked Questions
What is Complaint #13709182 about?
Complaint #13709182 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 2025-05-25T12:00:00-05:00.
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.