Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6487834
Complaint Overview
Complaint ID: 6487834
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: Maryland
ZIP Code: 21742
Date Received: 2023-01-25T12:00:00-05:00
Date Sent to Company: 2023-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
15 U.S.C 1681 ( A ) ( 4 ) Here is a need to ensure that XXXX XXXX XXXX XXXX their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy. 15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission I AM NOW ENACTING MY CONSUMER AND CIVIIL RIGHTS TO COMPEL YOU TO ANNUL, with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right now! The obvious infractions are as follows XXXX XXXX XXXX Card Account # XXXX Account # XXXX XXXX Recovery XXXX XXXX XXXX Account # XXXX & XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Finance Account Number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE XXXX XXXX I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you via certified mail. It has been over XXXX ( XXXX ) days and according to the FCRA any complaint that goes past XXXX days MUST be removed from consumers ' credit reports. Any missed spelled or incorrect information must be removed from consumers ' credit report Amount of XXXX {$460.00}. Date of XXXX : XX/XX/XXXX. Provider of XXXX : XXXX Bank XXXX of XXXX : XXXX. Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX Amount of Debt : XXXX Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX To Whom It May Concern : I would like to start this conversation off my requesting you cease and desist from further contacting me about another individual debt. I find it to reckless and a blatant disregard of privacy to share another persons information on what you believe that since my last name is XXXX that it must be me. The information you provided me is a VOID of my legal name and signature. Furthermore, your cut-and-paste tactics on the address are reckless and fraudulent. I have never requested from your office a debt validation letter, and I have never given your office any correspondence besides this XXXX asking for anything, but that you CEASE & DESIST from contacting me about another persons debt. Collections companies purchase debt for pennies on the dollar and then chase down what I call pin the tail on the donkey in hopes to collect money. The original company wrote off the debt on their taxes, and now companies such as this XXXX use any tactics which are against the law and pay the big XXXX ( XXXX ) to furnish these untrue unproven statements on consumers credit reports which is WRONG! I have never given WRITTEN PERMISSION to XXXX XXXX I, XXXX to furnish anything against my credit report. Thank you XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #6487834 about?
Complaint #6487834 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 2023-01-25T12:00:00-05:00.
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.