Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5568629
Complaint Overview
Complaint ID: 5568629
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: Georgia
ZIP Code: 30248
Date Received: 2022-05-16T12:00:00-05:00
Date Sent to Company: 2022-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 at XXXX, A representative for Equifax picked up my certified mailed letter for a collection placed on my credit report by a collection agency, XXXX , in which I requested an investigation on the validity of the account. On XXXX XXXX, I reached out to the original creditor, XXXX, to discuss the ownership and authority to collect the debt. XXXX stated they were the only ones who owned the debt and have authority to collect. The debt was closed out on XX/XX/XXXX with XXXX. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. As of today, XX/XX/2022, I never received any results that an investigation was completed. However, On XX/XX/2022, I did receive a notification from MY FICO Credit Monitoring that Equifax updated the XXXX collection account as Paid. Ironically, also on XX/XX/2022 at XXXX, my certified letter was delivered to Equifax inquiring why this inaccurate account was still on my credit report and why hasn't my request for an investigation been completed. I attempted one last time to communicate with Equifax regarding this matter before filing this complaint by calling to speak to a representative on today, XX/XX/2022. I explained my situation just as I have here and the representative 's reply to me was, " Do you want to open a dispute? '' I asked, " What happened to my request that you received on XX/XX/2022. '' The representative responded, " I don't know ma'am but if the furnisher reported this then it must be right. '' I told him that he was very unprofessional and per my rights ( 15 U.S.C. 1681e ( b ) ), you are required to make sure that items on my credit report are accurate and just because the collection agency ask for you to put something on my credit report does not mean that it is accurate. Also, per my rights ( 15 U.S.C.1681i ( a ) ( 1 ) ( A ), you are required to investigate any item that I request to have investigated on my credit report. '' He then apologized and asked, " Do you want to open a dispute? '' I then asked, why did you all decide to update my credit report after receiving my request to provide verification that an investigation was completed. The representative responded, " I see that you are refusing to open a dispute on this account. '' I told him, " No, I am not refusing to open a dispute and that I will be forwarding my complaint to the CFPB. '' Again, My request for an investigation was not completed. I have uploaded information to assist with my complaint. This is a direct violation of my FCRA rights.
Frequently Asked Questions
What is Complaint #5568629 about?
Complaint #5568629 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 2022-05-16T12:00:00-05:00.
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.