Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5463812
Complaint Overview
Complaint ID: 5463812
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: Was not notified of investigation status or results
State: North Carolina
ZIP Code: 28027
Date Received: 2022-04-18T12:00:00-05:00
Date Sent to Company: 2022-04-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
inaccurate information is being reported on my credit report with Equifax XXXX XXXX on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. XXXX XXXX - acct # reporting on XXXX shows XXXX - Acct # reporting on Equifax XXXX both inaccurate and do not match. XXXX reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. Equifax XXXX XXXX continue to report inaccurate which is against FCRA consumer law. XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX of XXXX i paid ontime and equifax reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX of XXXX all the way to XXXX of XXXX. XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by Equifax & XXXX XXXX this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but Equifax & XXXX reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.Experian is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.
Frequently Asked Questions
What is Complaint #5463812 about?
Complaint #5463812 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 2022-04-18T12:00:00-05:00.
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.