Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5017031
Complaint Overview
Complaint ID: 5017031
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: 33193
Date Received: 2021-12-16T12:00:00-05:00
Date Sent to Company: 2021-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I paid the account for this visa credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called XXXX and paid and was assured the balance was XXXX. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, XXXX has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of XXXX for not alerting the customer of these bogus interest fee charges.
Frequently Asked Questions
What is Complaint #5017031 about?
Complaint #5017031 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 2021-12-16T12:00:00-05:00.
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.