Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5971222
Complaint Overview
Complaint ID: 5971222
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: Investigation took more than 30 days
State: Michigan
ZIP Code: XXXXX
Date Received: 2022-09-11T12:00:00-05:00
Date Sent to Company: 2022-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. This account MUST be deleted for at least 3 reasons :. 1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.
Frequently Asked Questions
What is Complaint #5971222 about?
Complaint #5971222 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 2022-09-11T12:00:00-05:00.
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.