Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4470047
Complaint Overview
Complaint ID: 4470047
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: Their investigation did not fix an error on your report
State: Maryland
ZIP Code: 21009
Date Received: 2021-06-17T12:00:00-05:00
Date Sent to Company: 2021-06-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Refined our home in XXXX Our Mortgage complay ( XXXX XXXX ) incorrectly reported our last payment as late. After contacting XXXX regarding their error, they submitted a reversal to Equifax. Equifax not only refused to assist us, they turned around and dropped our credit scores by XXXX points each. I sent all the documentation needed to support that this was an error. XXXX XXXX also sent a letter re-tracking there inaccurate reporting and request our credit report be adjusted back to the original scores prior to the inaccurate info being submitted. This has caused a financial nightmare for both of us, ( downgrade in credit, insurance rate skyrocketed ). The other 2 reporting agencies corrected our credit reports but equifax refuses to help us. My credit score prior to the error was XXXX my wifes was XXXX.
Frequently Asked Questions
What is Complaint #4470047 about?
Complaint #4470047 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 2021-06-17T12:00:00-05:00.
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.