Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #4563034
Complaint Overview
Complaint ID: 4563034
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 33025
Date Received: 2021-07-21T12:00:00-05:00
Date Sent to Company: 2021-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. This matter needs to get resolve immediately.
Frequently Asked Questions
What is Complaint #4563034 about?
Complaint #4563034 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2021-07-21T12:00:00-05:00.
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.