Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6662167
Complaint Overview
Complaint ID: 6662167
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: New York
ZIP Code: 10027
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
Let this complaint serve as my consumer statement as it relates to the fraudulent account. I XXXX XXXX provided all documents required by law to remove a fraudulent tradeline. As stated in the FCRA 15 usc 1681c-2 all items resulting from fraud must be blocked and removed from within 4 business days. The item was not removed during the investigation as stated under the FCRA neither which is a violation under the FCRA. Equifax is claiming the fraudulent account owner has verified the account. BUT IT IS FRAUD! PYOD has no proof my information was submitted by Me to this account holder. The account is a fraudulent! Equifax is to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and Equifax has failed and is continuing to report a fraudulent account. Ive provided all items required by 15 usc 1681c-2 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. What is Equifax reason for not abiding by the law? I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Frequently Asked Questions
What is Complaint #6662167 about?
Complaint #6662167 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.