Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14904719
Complaint Overview
Complaint ID: 14904719
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: Investigation took more than 30 days
State: Georgia
ZIP Code: 302XX
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against all three major credit bureaus : XXXX, Equifax, and XXXX, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputes I submitted about inaccurate and unverified accounts on my credit reports. I submitted formal disputes to all three XXXX regarding specific accounts I believe are inaccurate, unverifiable, and/or fraudulent. More than XXXX days have passed since my disputes were received, and I have not received a proper response, completed reinvestigation, or sufficient verification of the accounts in question. The CRAs failed to remove or block the disputed accounts, despite being unable to verify them with valid documentation. I requested validation and original source documentation as allowed under FCRA 609 ( a ). None of the bureaus provided this. Additionally, the XXXX failed to provide written results of the reinvestigation as required under FCRA 611 ( a ) ( XXXX ) and 611 ( b ). FCRA 611 ( a ) ( XXXX ) ( A ) Failure to investigate disputes within the required XXXX period. FCRA 611 ( a ) ( XXXX ) ( A ) Failure to delete or correct information that is found to be inaccurate or unverifiable. FCRA 611 ( b ) Failure to provide written results of the reinvestigation. FCRA 609 ( a ) ( XXXX ) Failure to provide documentation verifying that the information belongs to me. FCRA 605B Failure to block information alleged to result from identity theft, where applicable.
Frequently Asked Questions
What is Complaint #14904719 about?
Complaint #14904719 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 2025-07-26T12:00:00-05:00.
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.