Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13833544
Complaint Overview
Complaint ID: 13833544
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: Missouri
ZIP Code: 64114
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX ( Account # : XXXX ) that remain uncorrected despite formal disputes. I submitted a payoff letter from XXXX XXXX XXXX XXXX confirming that the debt was resolved on XX/XX/year>, and no further collection would occur. TransUnion deleted this account using the same documentation. XXXX failure to remove the account shows clear non-compliance with FCRA standards and has caused significant harm to my credit profile. 2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. Equifax responded to my dispute with generic updates and stated that the item was verified, without addressing the actual documents I submitted. This includes my ID, proof of address, and a payoff letter from the authorized collection agency. Equifax appears to have relied on automated systems like XXXX, which fail to meet legal requirements for a complete and fair reinvestigation. 3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX did not report the updated status of the resolved account properly. Equifax failed to ensure that the information they publish reflects this resolution, resulting in continued harm to my financial credibility. 4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. In this case, despite receiving written confirmation from the authorized collection agency that the account was resolved, Equifax continues to report the item inaccurately. This misleading and harmful reportingespecially when another credit bureau has corrected the same errorviolates FDCPA protections and reflects negligent handling of consumer data.
Frequently Asked Questions
What is Complaint #13833544 about?
Complaint #13833544 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 2025-06-01T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.