Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4937636
Complaint Overview
Complaint ID: 4937636
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: 33168
Date Received: 2021-11-22T12:00:00-05:00
Date Sent to Company: 2021-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX Dear Equifax This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Please refer to my previous letter for the information that needs to be re-investigated. XXXX : Account number : XXXX, Please validate this debt. XXXX : Account number : XXXX, Please validate this debt. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please validate this debt. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please validate this debt. XXXX : Account number : XXXX, Please validate this debt.XXXX : Account number : XXXX, Please validate this debt. XXXX XXXX XXXX : Account number : XXXX, Please validate this debt. XXXX XXXX XXXX : Account number : XXXX, Please validate this debt. XXXX : Account number : XXXX, Please validate this debt. XXXX XXXX ( Original XXXX ) : Account number : XXXX, Please validate this debt. XXXX XXXXL ( Original XXXX ) : Account number : XXXX, Please validate this debt. XXXX XXXX ( Original XXXX ) : Account number : XXXX, Please validate this debt. XXXX : Account number : XXXX, Please validate this debt. CB/VICSCRT : Account number : XXXX, Please validate this debt. XXXX : Account number : XXXX, Please validate this debt. XXXX OF XXXX : Account number : XXXX, Please validate this debt. XXXX OF XXXX : Account number : XXXX, Please validate this debt. XXXX XXXX : Account number : XXXX, Please validate this debt. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within XXXX days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerly, XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. XXXX : Consumer Financial Protection Bureau XXXX : Attorney Generals Office XXXX : XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #4937636 about?
Complaint #4937636 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 2021-11-22T12:00:00-05:00.
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.