Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6221348
Complaint Overview
Complaint ID: 6221348
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: North Carolina
ZIP Code: 28173
Date Received: 2022-11-18T12:00:00-05:00
Date Sent to Company: 2022-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
on XX/XX/2022 I spoke with a rep at Equifax about my identity theft and potential fraud. I was advised to fax or mail in copy of my drivers license and social security card along with a copy of my police report. I also sent them the documents I was able to get from one of the creditors that advised the inquiry was fraudulent and sent previously to Equifax months prior.I called back 5 days later to confirm if my documents were received, I was told yes and that my request would be processed. On XX/XX/2022 I received an updated Equifax report advising that the inquiries I stated were fraudulent were in fact valid and will remain. I called on the same day and the rep had advised me that an internal process was not completed properly and she would have to resubmit my dispute again and I will get my results within 30 days. On XX/XX/2022 I receive another updated report from Equifax and this time it shows where they deleted the items in question and at the same time validated the items as accurate within the same report. I called Equifax and on rep XXXX advised he couldn't do anything about my file because he couldn't see documents I faxed in only my driver license and social security card. I asked to speak to a supervisor name XXXX, she advised that she could see the documents i sent in but could not validate them to update my account she said another department called the specialty department handled those issues. XXXX could not explain why on my same report the items shows deleted and then the same items showed valid and accurate. XXXX told me I would have to submit a FTC report along with the same documents I sent on XX/XX/2022 that are currently available on Equifax system in order for them to reinvestigate my dispute. So now I have to resubmit this request for a third time because it appears Equifax is not willing to review any of the previous documentation sent. On the updated Equifax report you will see on pages 3 and 4 were the items in dispute were deleted and also validated at the same time.
Frequently Asked Questions
What is Complaint #6221348 about?
Complaint #6221348 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 2022-11-18T12:00:00-05:00.
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.