Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4474897
Complaint Overview
Complaint ID: 4474897
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: Was not notified of investigation status or results
State: Ohio
ZIP Code: 44125
Date Received: 2021-06-19T12:00:00-05:00
Date Sent to Company: 2021-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Back in XX/XX/2015 I opened an XXXX XXXX XXXX XXXX account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay XXXX XXXX and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though XXXX never responds to my direct validation requests?
Frequently Asked Questions
What is Complaint #4474897 about?
Complaint #4474897 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 2021-06-19T12:00:00-05:00.
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.