Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13957540
Complaint Overview
Complaint ID: 13957540
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: Maryland
ZIP Code: XXXXX
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There is a charge off on my credit report by XXXX XXXX. I filed a complaint with Equifax because XXXX XXXX ) wrote off the charge, ) but the charge was paid. I provided Equifax proof of payment. Equifax leaves the charge off on my credit stating the day of payment, which is different from the charge off date. However, this charge off is for the difference in what XXXX paid for a totaled car and that which XXXX Financed for the car that was totaled. The financing incorporated providing me with GAP Insurance. XXXX XXXX knew who the GAP Insurance provider was and never bothered to tell me who the GAP Insurance provider was. The auto financing of GAP Insurance, which was part of my loan with XXXX XXXX as a packaged deal for that XXXX XXXX XXXX that was totaled. ( The car was totaled by another motorist who rear ended while driving on a local street and injured me in XX/XX/XXXX. ) XXXX, my insurance paid for the car and the GAP Insurance that was part of the sale price financed by XXXX covered the remaining cost of the totaled car that XXXX Finance financed. Injured, distracted and distraught I had to call XXXX XXXX to get the name of the GAP Insurance provider and that is the only reason how, when and why XXXX XXXX was paid XX/XX/XXXX, but all that while ONLY XXXX XXXX XXXX who was the GAP Insurance provider, Assurance, and how to contact the XXXX XXXX provider, just like they never told the credit reporting company that their bogus charge off had been paid. Additionally, although XXXX XXXX all the while new their was GAP Insurance as a part of the financed amount for the XXXX XXXX XXXX purchased from the XXXX XXXX was totaled, and only XXXX XXXX XXXX who was the GAP Insurance provider actually was and how to contact the provider etc., instead of volunteeringly letting injured and distraught me know XXXX XXXX hounded me over and over again for that difference they falsely claimed as a charge off knowing the aforesaid, just like the reported a charge off and accepted payment but did not notify anyone. Equifax in its investigation did not find out the true basis of that, which XXXX XXXX, being a GAP Insurance expected payment windfall, has called a charge off.
Frequently Asked Questions
What is Complaint #13957540 about?
Complaint #13957540 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 2025-06-07T12:00:00-05:00.
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.