Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4691655
Complaint Overview
Complaint ID: 4691655
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: Florida
ZIP Code: 32505
Date Received: 2021-09-03T12:00:00-05:00
Date Sent to Company: 2021-09-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There was no sub category for this issue. My complaint is against Equifax. I have been battling for months to get a fraudulent debt removed from my credit report. Equifax knew this debt was fraudulent but refused to remove the companies, XXXX XXXX XXXX, trade line from my credit report. Equifax finally removed XXXX XXXX trade line from my credit report yesterday. Before Equifax removed this fraudulent debt from my credit report my credit score with Equifax was XXXX. Now its XXXX. I had a collections account in the amount of {$800.00} removed from my credit report and my credit score only increases by 4 points. Equifax is deliberately keeping my credit score low to retaliate against me for filing the complaints against them that I filed. Equifax is mad at me because I exposed their lies and shined the spot light on their illegal activities. Equifax lied and said they had received additional information from the original creditor of the fake debt XXXX XXXX made up and submitted to them to scam me out of {$800.00}. They claim this information validated this fake debt. I submitted a letter to Equifax from the original creditor that said I was not responsible for this debt. There is no way Equifax received this additional information they lied about receiving. After I exposed this lie and they were forced to remove XXXX XXXX XXXX trade line from my credit report they got mad. I also filed a compliant with the GA Attorney Generals office letting them know Equifax is aiding and abetting in a crime. Now Equifax is retaliating against me by keeping my credit score low. There is no way my credit score only increased by 4 points when I not only had a collections removed but my debt decreased by {$800.00}. I am sending copies of these complaints to my lawyer who is in process of filing a civil suit against Equifax and the CFPB.
Frequently Asked Questions
What is Complaint #4691655 about?
Complaint #4691655 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 2021-09-03T12:00:00-05:00.
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.