Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5087683
Complaint Overview
Complaint ID: 5087683
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: New Jersey
ZIP Code: 08060
Date Received: 2022-01-09T12:00:00-05:00
Date Sent to Company: 2022-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.
Frequently Asked Questions
What is Complaint #5087683 about?
Complaint #5087683 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 2022-01-09T12:00:00-05:00.
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.