Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4872381
Complaint Overview
Complaint ID: 4872381
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: Iowa
ZIP Code: XXXXX
Date Received: 2021-11-03T12:00:00-05:00
Date Sent to Company: 2021-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX XXXX my report. Equifax and XXXX said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX XXXX . They did not delete the accounts under the XXXX XXXX XXXX XXXX and Equifax prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX XXXX now the accounts are listed twice. I have disputed this with Equifax adn XXXX twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.
Frequently Asked Questions
What is Complaint #4872381 about?
Complaint #4872381 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 2021-11-03T12:00:00-05:00.
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.