Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4609831
Complaint Overview
Complaint ID: 4609831
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: New York
ZIP Code: 14226
Date Received: 2021-08-07T12:00:00-05:00
Date Sent to Company: 2021-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
You have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to countless violations such as no response for more than 60 days, missing required notice of dispute disclaimer, and negligently reporting false information after repeated correspondence. Your reckless false reporting is preventing me from receiving the financing I need to have a reliable means of transportation I would like these accounts removed from my credit Report. Correspondences have been sent via USPS Certified Mail. Each Correspondence listed below lists how the bureaus and creditors neglected to maintain an accurate consumer report with their violations. Credit report has been pulled every XXXX of the month. Credit Bureau Abbreviation : XXXX XXXX Eq= Equifax XXXX XXXX *= Collector **=Credit reporting agencies XXXX XXXX Secured ( Incorrect Late Payments ) **Sent bureaus investigation request dispute XX/XX/XXXX they received XX/XX/XXXX - Eq, XXXX, XXXX- continue reporting incorrect inaccurate info - Eq- Didnt update Last reported. Leads me to believe no proper invest. was done. - XXXX- switched 30 day late with no explanation from XX/XX/XXXX to XX/XX/XXXX - XXXX- did not respond in 30 days **Sent bureaus re-investigation request dispute XX/XX/XXXX they received XX/XX/XXXX - Eq, XXXX , XXXX- continue reporting inaccurate - XXXX- switched 30 day late with no explanation from XX/XX/XXXX to XX/XX/XXXX - XXXX no response **Sent bureaus method of verification request dispute XXXX they received XXXX - Eq, XXXX, XXXX- continue reporting inaccurate - Eq- Last reported not updated. Leads me to believe a proper invest. Was not done. - Eq, XXXX, XXXX- Didnt provide Method of verification. **Sent bureaus method of verification second request dispute XXXX - Eq , XXXX, XXXX- continue reporting inaccurate - Eq, XXXX, - did not respond - Eq- Last reported not updated. Leads me to believe a proper invest. Was not done. - Eq- missing required Notice of Dispute - Eq , XXXX, XXXX- Didnt provide Method of verification. **Sent disputes XXXX Creditor - Ignoring my Investigation request - Willfully and recklessly reporting false info to the credit reporting agencies after being notified of the reporting error and failing to investigate/ correct error including : Mixed files, Inaccurate date of statuses or last activity. Inaccurate balance. Also inaccurate remarks ( status, late-payments, activity after close ) CRA - Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct error. - Failure to respond to disputes within 30 days ( 15 additional days if sent additional info ) - Failure to provide ( If requested after verification ) the method of verification. Including the real name, address, and phone number of furnisher within 15 days of my request. - Failing to notate that an item on your credit report is under dispute, after a creditor or debt collector has reported the dispute. - Failure to provide all relevant information ( documents proving my case ) to the furnisher, when reasonable means to do so are available.
Frequently Asked Questions
What is Complaint #4609831 about?
Complaint #4609831 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 2021-08-07T12:00:00-05:00.
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.