Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5534894
Complaint Overview
Complaint ID: 5534894
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Virginia
ZIP Code: 23453
Date Received: 2022-05-03T12:00:00-05:00
Date Sent to Company: 2022-05-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Since XX/XX/XXXX Equifax has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in Equifax system and was told to check it there. After signing into my Equifax account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. Equifax has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by Equifax and XXXX and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. Ally is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. XXXX and Equifax are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.
Frequently Asked Questions
What is Complaint #5534894 about?
Complaint #5534894 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 2022-05-03T12:00:00-05:00.
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.