Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14224485
Complaint Overview
Complaint ID: 14224485
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: Georgia
ZIP Code: 30016
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The inaccurate and negative information being reported on my credit file has had a severe and ongoing impact on both my personal and financial well-being. Because of these errors, I have been unfairly portrayed as a high-risk borrower, which has led to the following consequences : Denied Credit Applications : I have been denied access to essential lines of credit, including personal loans and credit cards, which I needed for everyday expenses and emergency situations. Higher Interest Rates : On the few occasions when I was approved for credit, I was forced to accept excessively high interest rates due to the damage to my credit score, making borrowing much more expensive. Employment Issues : Some employers check credit reports during the hiring process. I have lost out on job opportunities because of the negative and misleading information on my report. Emotional Distress : The stress and anxiety caused by being misrepresented to lenders, landlords, and others has taken a significant toll on my mental health. Constantly trying to correct errors has been emotionally exhausting and frustrating. These consequences are not the result of my financial behavior but are instead due to incorrect and unverifiable information that should not be in my credit file. I am asking for a fair investigation and correction under the rights granted to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).
Frequently Asked Questions
What is Complaint #14224485 about?
Complaint #14224485 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 2025-06-22T12:00:00-05:00.
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.