Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4645335
Complaint Overview
Complaint ID: 4645335
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: Michigan
ZIP Code: 482XX
Date Received: 2021-08-19T12:00:00-05:00
Date Sent to Company: 2021-08-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, XXXX, XXXX and Equifax, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Frequently Asked Questions
What is Complaint #4645335 about?
Complaint #4645335 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 2021-08-19T12:00:00-05:00.
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.