Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6635708
Complaint Overview
Complaint ID: 6635708
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: California
ZIP Code: 95828
Date Received: 2023-03-01T12:00:00-05:00
Date Sent to Company: 2023-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #6635708 about?
Complaint #6635708 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 2023-03-01T12:00:00-05:00.
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.