Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6563384
Complaint Overview
Complaint ID: 6563384
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: New Jersey
ZIP Code: 07652
Date Received: 2023-02-12T12:00:00-05:00
Date Sent to Company: 2023-02-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX went to a XXXXXXXX XXXX bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. ,
Frequently Asked Questions
What is Complaint #6563384 about?
Complaint #6563384 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 2023-02-12T12:00:00-05:00.
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.