Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6321909
Complaint Overview
Complaint ID: 6321909
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: Wisconsin
ZIP Code: 549XX
Date Received: 2022-12-14T12:00:00-05:00
Date Sent to Company: 2022-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.
Frequently Asked Questions
What is Complaint #6321909 about?
Complaint #6321909 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 2022-12-14T12:00:00-05:00.
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.