Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14511658
Complaint Overview
Complaint ID: 14511658
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: 63033
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Against Credit Reporting Agencies and Creditors for Violations of the FCRA To Whom It May Concern : I am filing this complaint against TransUnion, Experian, Equifax, and several creditors for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), resulting in inaccurate and harmful information on my consumer credit report. The following FCRA laws have been violated : -- - FCRA Section 611 ( a ) ( 1 ) ( A ) Violation : Credit bureaus failed to respond to written disputes within 30 days. Fine : {$1000.00} per violation. -- - FCRA Section 605 ( c ) Running of the Reporting Period Violation : Creditors and/or credit bureaus attempted to re-age accounts, including GLBLNDSVCS, updating last activity dates to extend derogatory items on my file. Fine : {$1000.00} per violation. -- - FCRA Section 623 Violation : Despite my dispute on the XXXX XXXX XXXXXX/XX/XXXXXXXX collection accounts, creditors failed to mark them clearly as " disputed '' to all CRAs ( Credit Reporting Agencies ). Fine : {$1000.00} per violation, per bureau. -- - FCRA Section 604 ( a ) ( 3 ) Violation : Several inquiries from IR, XXXX XX/XX/XXXX were made without a permissible purpose. XXXX : {$1000.00} per violation. -- - FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Violation : Equifax reinserted disputed accounts ( e.g., XXXXXX/XX/XXXX) without proper written notice within XXXX business days. Fine : {$1000.00} per violation. -- - I have attached my full credit report and documentation clearly showing these violations. I demand : 1. Immediate deletion of all inaccurate, unverifiable, and improperly reported accounts across all three bureaus. 2. Full investigation and enforcement actions by the CFPB for each listed violation. 3. Monetary penalties applied to each bureau and creditor for their ongoing noncompliance and harm done to me financially and emotionally. These entities have acted in direct violation of FCRA law and federal consumer protection statutes. I respectfully demand swift resolution and enforcement. Consumer Name : XXXX XXXX XXXX XXXX of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX Credit Report Date : XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14511658 about?
Complaint #14511658 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 2025-07-07T12:00:00-05:00.
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.