Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5027613
Complaint Overview
Complaint ID: 5027613
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: 32803
Date Received: 2021-12-20T12:00:00-05:00
Date Sent to Company: 2021-12-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy Record being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from Equifax Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore Equifax did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.
Frequently Asked Questions
What is Complaint #5027613 about?
Complaint #5027613 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 2021-12-20T12:00:00-05:00.
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.