Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15445167
Complaint Overview
Complaint ID: 15445167
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: 317XX
Date Received: 2025-08-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX I submitted written disputes on XXXX XXXX XXXX credit card accounts and requested account-level documentation. Shortly afterward, XXXX XXXX closed all three of my accounts ( including XXXX I had not disputed ) and sent a letter stating I was removed from any future business ( by name, phone, and email ). XXXX XXXX initial written response stated only that the accounts were opened online or by phone, without specifying which and without dates, applications, or signed agreements. ( Exhibit XXXX shows XXXX XXXX written response denying the existence of contracts for these accounts. ) After I disputed through the credit bureaus, XXXX XXXX sent XXXX generic, non-account-specific cardholder agreement and monthly statements ( Exhibits XXXX, XXXX, XXXX ). Months later they began asserting an application date, but no application or signed contract has ever been produced despite multiple disputes. Meanwhile, XXXX XXXX furnishing has been inconsistent : statuses toggled between disputed and resolved, fees and interest continued to accrue, and the tradelines later progressed to charge-off / profit & loss. My scores dropped from XXXX into the low XXXX. The credit bureaus verified these accounts despite lacking any actual validation from XXXX XXXX ( Equifax, XXXX pp. XXXX, and XXXX pp XXXX XXXX ). I also include Exhibit XXXX ( Removed from Future Business Letter ) documenting XXXX XXXX decision to end all customer relationships with me, a Closing Letter dated XX/XX/XXXX showing the end of my prior attempts to resolve this directly, and Exhibit XXXX ( Account Closures ) showing the closures were inconsistent with typical customer notices. XXXX XXXX has failed to provide proper validation yet continues to furnish contradictory and damaging information to the credit bureaus. This entire escalation could have been avoided had XXXX XXXX simply validated the accounts in response to my disputes, rather than closing them and continuing to report inconsistent information.
Frequently Asked Questions
What is Complaint #15445167 about?
Complaint #15445167 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 2025-08-21T12:00:00-05:00.
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.