Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15190530
Complaint Overview
Complaint ID: 15190530
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: Was not notified of investigation status or results
State: Florida
ZIP Code: 32209
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. I previously disputed the account reported by XXXX XXXX XXXX XXXX XXXX, account # XXXX, and requested full validation in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor for this account was XXXX XXXX XXXX. However, following my dispute, Experian updated the account as " verified '' and changed the original creditor name to XXXX XXXX XXXX, which is a debt buyer and not the original creditor. This is factually inaccurate and constitutes a violation of my rights under FCRA 1681s-2 ( a ) and ( b ). Experian failed to conduct a reasonable investigation as required by law. This misrepresentation is materially misleading and harmful to my creditworthiness. Therefore, I demand that this account be deleted in its entirety from my Experian credit report, as it has not been properly validated and contains materially false information. Please conduct a proper reinvestigation and provide written confirmation of the deletion of this account from my credit file. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15190530 about?
Complaint #15190530 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 2025-08-09T12:00:00-05:00.
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.