Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5835571
Complaint Overview
Complaint ID: 5835571
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: Maryland
ZIP Code: 21216
Date Received: 2022-08-02T12:00:00-05:00
Date Sent to Company: 2022-08-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.
Frequently Asked Questions
What is Complaint #5835571 about?
Complaint #5835571 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 2022-08-02T12:00:00-05:00.
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.