Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5906484
Complaint Overview
Complaint ID: 5906484
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: Pennsylvania
ZIP Code: 19335
Date Received: 2022-08-22T12:00:00-05:00
Date Sent to Company: 2022-08-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Frequently Asked Questions
What is Complaint #5906484 about?
Complaint #5906484 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 2022-08-22T12:00:00-05:00.
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.