Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4610304
Complaint Overview
Complaint ID: 4610304
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: Investigation took more than 30 days
State: Georgia
ZIP Code: 30340
Date Received: 2021-08-06T12:00:00-05:00
Date Sent to Company: 2021-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was examining my EQUIFAX credit report and noted a number of unenforceable/illegal collection agency trade lines from a company called XXXX. I've attached proof of date of delivery and the correspondence I sent EQUIFAX. -They never investigated the issue -They did not validate/verified anything -They did not respond within 30 days ; therefore, pursuant to the FCRA, ALL of these line items must be removed from my credit report. This situation violates both the FCRA and the FDCPA.
Frequently Asked Questions
What is Complaint #4610304 about?
Complaint #4610304 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 2021-08-06T12:00:00-05:00.
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.