Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #15834897
Complaint Overview
Complaint ID: 15834897
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: California
ZIP Code: 90405
Date Received: 2025-09-09T12:00:00-05:00
Date Sent to Company: 2025-09-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am submitting this complaint regarding a consumer installment loan facilitated by XXXX for the purchase of a hot tub. The merchandise delivered was faulty, and I initiated a formal dispute with XXXX. During the investigation period, I withheld payment as advised, and my autopay was paused accordingly. However, XXXX failed to notify me when the investigation concluded through the XXXX XXXX XXXX and emails were sent regarding the investigation referencing a " coversation '' that did not take place. Without a clear resolution notice, they reported a missed payment to the credit bureausresulting in a derogatory mark on my credit report. This action was taken while the dispute was still active from my perspective, and without any opportunity to resume payment or resolve the matter. This reporting constitutes a procedural failure and a violation of fair credit reporting standards, as I was not informed of the investigation outcome nor given a chance to cure the payment before it was reported as delinquent.
Frequently Asked Questions
What is Complaint #15834897 about?
Complaint #15834897 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2025-09-09T12:00:00-05:00.
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.