Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4430068
Complaint Overview
Complaint ID: 4430068
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: California
ZIP Code: 956XX
Date Received: 2021-06-03T12:00:00-05:00
Date Sent to Company: 2021-06-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Frequently Asked Questions
What is Complaint #4430068 about?
Complaint #4430068 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-03T12:00:00-05:00.
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, credit repair services, 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.