Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4827547
Complaint Overview
Complaint ID: 4827547
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: New York
ZIP Code: 120XX
Date Received: 2021-10-20T12:00:00-05:00
Date Sent to Company: 2021-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I got a letter from XXXX XXXX stating they were reducing my credit limit to {$100.00} based on a report from Equifax that my credit score is XXXX. My credit score on Equifax is XXXX. I contacted XXXX XXXX credit several times, and they won't fix the error, even though I've offered to give them the credit information. This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. I have also contacted Equifax. Equifax is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from XXXX XXXX which I have faxed to them.
Frequently Asked Questions
What is Complaint #4827547 about?
Complaint #4827547 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 2021-10-20T12:00:00-05:00.
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.