Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5523382
Complaint Overview
Complaint ID: 5523382
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: Investigation took more than 30 days
State: California
ZIP Code: 91767
Date Received: 2022-05-01T12:00:00-05:00
Date Sent to Company: 2022-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I sent a letter to Equifax via United States XXXX XXXX XXXX Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX Equifax.pdf ''. I have also attached images of the USPS Certified Mail receipt. It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Frequently Asked Questions
What is Complaint #5523382 about?
Complaint #5523382 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 2022-05-01T12:00:00-05:00.
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.