Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13828490

CFPB complaint 13828490 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against EQUIFAX, INC. on May 31, 2025.

Complaint 13828490 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.

EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 13828490 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.

Complaint 13828490 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 13828490.

Complaint 13828490 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13828490 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to conduct reasonable investigations into disputed information. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Problem with a company's investigation into an existing problem".

Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The company's failure to investigate and correct an error on a credit report can lead to ongoing financial harm and difficulty obtaining credit.

This case highlights potential violations of FCRA's requirements for thorough and accurate investigations by credit bureaus. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should keep detailed records of all communications with credit reporting agencies and dispute any inaccuracies multiple times if necessary.

The consumer is located in Florida, and state laws may offer additional protections or avenues for recourse. This complaint was filed from Florida.

Credit reporting agencies are frequently the subject of consumer complaints regarding investigation failures.

A consumer can file a complaint with the CFPB, send a formal dispute letter to the credit reporting agency, and consider consulting with a consumer protection attorney.

Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if the consumer provides additional relevant information.