Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13984314
Complaint Overview
Complaint ID: 13984314
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: Florida
ZIP Code: 33837
Date Received: 2025-06-09T12:00:00-05:00
Date Sent to Company: 2025-07-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
DISPUTE LETTER CREDIT REPORT REINVESTIGATION REQUEST Your Name : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, State ZIP Code : XXXX XXXX, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX To : [ Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation Disputed Account with XXXX XXXX XXXX Dear : XXXX XXXX XXXX I am writing to request a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 concerning the following account reported on my credit file : Creditor Name : XXXX XXXX XXXX, Inc Account Number : XXXX Date Opened : XX/XX/XXXX Account Status : Closed {$6700.00} written off Status Updated : XX/XX/XXXX Balance : {$0.00} I previously disputed this account, but the investigation concluded it was verified. I challenge the accuracy and completeness of that determination for the following reasons : 1. The reporting shows a charge-off and {$0.00} balance, which creates ambiguity : the account appears both resolved and negatively charged off. 2. The charge-off amount and the timing ( XX/XX/XXXX ) are unclear. I request documentation explaining how these amounts were determined and that the reporting complies with FCRA standards. 3. I request a detailed explanation of the method of verification used during the initial investigation and ask for all documentation used to verify the information. If the information can not be verified with documentation from the original creditor, I request that it be deleted or corrected promptly. Please respond with the results of your reinvestigation and the contact information of any parties involved in verifying the disputed account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13984314 about?
Complaint #13984314 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 2025-06-09T12:00:00-05:00.
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.