Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6499901
Complaint Overview
Complaint ID: 6499901
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: Florida
ZIP Code: 33612
Date Received: 2023-01-28T12:00:00-05:00
Date Sent to Company: 2023-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received notice that you verified certain items on my credit report from the following companies : Account Name : XXXX XXXXXXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX BANKRUPTCY COURTXXXX REFERENCE NUMBER : XXXX, Account Name : XXXX XXXXXXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Frequently Asked Questions
What is Complaint #6499901 about?
Complaint #6499901 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 2023-01-28T12:00:00-05:00.
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.