Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6641053
Complaint Overview
Complaint ID: 6641053
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 York
ZIP Code: 11213
Date Received: 2023-03-02T12:00:00-05:00
Date Sent to Company: 2023-03-02T12:00:00-05:00
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, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate, complete, and up-to-date. The above-mentioned accounts are not accurate and need to be removed from my credit report. The FCRA also states that you must investigate my dispute and respond to me within 30 days of receipt of my dispute letter. If the information is found to be inaccurate, incomplete, or can not be verified, you must remove or correct the information. Moreover, the FCRA also requires creditors to report information that is fair, accurate, and substantiated. I believe that the above accounts are in violation of this law, and I demand that they be removed from my credit report immediately. Furthermore, the inclusion of inaccurate information on my credit report has caused me a great deal of emotional distress and has affected my ability to obtain credit. I urge you to take immediate action to remove the erroneous information and restore my credit report to an accurate and fair representation of my credit history. I look forward to receiving your response to my dispute within the allotted 30 days. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6641053 about?
Complaint #6641053 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 2023-03-02T12:00:00-05:00.
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.