Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14534876
Complaint Overview
Complaint ID: 14534876
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: 304XX
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, Since I know what about The Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt in my name but I am unaware if this is the correct amount due and your bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to your company to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will wait for you to send me the proof requested.
Frequently Asked Questions
What is Complaint #14534876 about?
Complaint #14534876 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 2025-07-08T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.