Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4479618
Complaint Overview
Complaint ID: 4479618
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: Texas
ZIP Code: 77586
Date Received: 2021-06-21T12:00:00-05:00
Date Sent to Company: 2021-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have sent several letters via certified mail to XXXX XXXX, XXXX, Equifax and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, Equifax and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via Equifax last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until Equifax updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, Equifax and XXXX remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Frequently Asked Questions
What is Complaint #4479618 about?
Complaint #4479618 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 2021-06-21T12:00:00-05:00.
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.