Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15807334
Complaint Overview
Complaint ID: 15807334
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: Virginia
ZIP Code: 23234
Date Received: 2025-09-08T12:00:00-05:00
Date Sent to Company: 2025-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Deletion/Reinvestigation of XXXX XXXX XXXX XXXX XXXX Compliance Department,\n\nI am writing to formally dispute the accuracy and legality of the XXXX record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681i and other applicable laws.\n\nThe following item is being reported inaccurately and/or without proper verification:\n\nPublic Record Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy Dispute Basis:\n\nLack of Direct Verification: The FCRA requires that all information in my consumer file be verified with the original source. XXXX are not reported directly to you by the court; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.\n\nNo Consumer Reporting Authorization: XXXX XXXX XXXX XXXX does not report XXXX to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information.\n\nPotential Violation of FCRA 607(b): You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness cannot be guaranteed.\n\nViolation of FCRA 611: If you cannot obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.\n\nMy Demand:\nPursuant to the above laws, I am demanding the following:\n\nA complete reinvestigation of this XXXX record within 30 days of receipt of this letter.\n\nWritten proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.\n\nIf you cannot provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.\n\nPlease note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my states Attorney General.\n\n\n\nSincerelyXXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15807334 about?
Complaint #15807334 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 2025-09-08T12:00:00-05:00.
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.