Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4695313
Complaint Overview
Complaint ID: 4695313
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: Texas
ZIP Code: 77449
Date Received: 2021-09-06T12:00:00-05:00
Date Sent to Company: 2021-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 I submitted a credit dispute to Equifax due to a negative line of credit from XXXX XXXX in the amount of {$11000.00} due to an auto repo. I exercised my right under the FCRA rule 611 ( a ) ( 6 ) ( Biii ) which states that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the credit reporting agency. On XX/XX/XXXX, i received in the mail a generic computer generated response stating that the account had been verified as accurate. To make matters worse, the same account appeared double on my credit credit file. first account # XXXXand second account # XXXX with the last two digits of the original account number missing. Which unfairly brought my credit score down even further. The credit reporting agency mandates that a debt collector must delete their reported collection if account has been tampered with.
Frequently Asked Questions
What is Complaint #4695313 about?
Complaint #4695313 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 2021-09-06T12:00:00-05:00.
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.