Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5244786
Complaint Overview
Complaint ID: 5244786
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 York
ZIP Code: 10305
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. Payments were made timely with the credit card company by account owner and holder. XXXX XXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Frequently Asked Questions
What is Complaint #5244786 about?
Complaint #5244786 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 2022-02-21T12:00:00-05:00.
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.