Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17001748
Complaint Overview
Complaint ID: 17001748
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: Nevada
ZIP Code: 89119
Date Received: 2025-11-03T12:00:00-05:00
Date Sent to Company: 2025-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TransUnion, Experian, and Equifax for inaccurate and unverified reporting of a charged-off XXXX credit card account ending in XXXX XXXX, with a reported balance of {$2100.00}. I have formally disputed this account and requested validation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my written disputes, the credit bureaus have continued to report this account as valid without providing documentation proving the accuracy or ownership of the debt. This constitutes negligent and willful noncompliance with FCRA obligations to investigate and correct inaccurate data. I request immediate reinvestigation, deletion of the disputed account if validation can not be provided, and confirmation of compliance. I also request monitoring to ensure the account is not reinserted without proper certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).
Frequently Asked Questions
What is Complaint #17001748 about?
Complaint #17001748 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 2025-11-03T12:00:00-05:00.
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.