Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5613910
Complaint Overview
Complaint ID: 5613910
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: Arizona
ZIP Code: 85353
Date Received: 2022-05-30T12:00:00-05:00
Date Sent to Company: 2022-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ATTN : XXXX XXXX XXXX RE : XXXX On XXXX/XXXX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX, the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XXXX/XXXX/2022 would be greatly appreciated! I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt. I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Frequently Asked Questions
What is Complaint #5613910 about?
Complaint #5613910 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 2022-05-30T12:00:00-05:00.
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.