Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6662158
Complaint Overview
Complaint ID: 6662158
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: Pennsylvania
ZIP Code: 19082
Date Received: 2023-03-07T12:00:00-05:00
Date Sent to Company: 2023-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Spoke to a representative in the dispute department by the name of XXXX in regards to the investigation taken longer than the 30 days allowed by the CFPB. I informed XXXX that I did not receive the results to my dispute or an updated copy of my consumer report. I also explained that my complaint submitted through the CFPB is also still open. I asked XXXX to honor the fair credit reporting act and remove the accounts listed in my consumer report. XXXX stated that the dispute was completed on XX/XX/23 and proceeded to tell me what was deleted and what remained. he then stated that he could send me the results. I informed XXXX that I have no proof that this was completed in the time allowed. I explained that I was not notified via mail or through the CFPB of the results and because of that I would like for him to honor the FCRA and remove the accounts from my consumer report. XXXX, on a recorded line stated that Equifax will not be complying with the Fair Credit reporting act at this time and that all he can do is send me the information or I can call the creditors that verified accounts. I reminded XXXX that in order for me to make that call I would need the names of the companies that allegedly verified these account in front of me and since I did not receive these results in 30days I can't make that call. XXXX then stated that a letter was sent to me. When the tracking number for the letter was requested XXXX stated that he doesn't have one. I asked to be transferred and XXXX refused. A representative from Equifax stated that they do not honor the 30 day dispute rule under the FCRA in which they are governed by. The consumer reporting agencies have an obligation to act fair, equitable and impartial.
Frequently Asked Questions
What is Complaint #6662158 about?
Complaint #6662158 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 2023-03-07T12:00:00-05:00.
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.