Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6718900
Complaint Overview
Complaint ID: 6718900
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: North Carolina
ZIP Code: 27502
Date Received: 2023-03-19T12:00:00-05:00
Date Sent to Company: 2023-03-19T12:00:00-05:00
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, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXXXXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6718900 about?
Complaint #6718900 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 2023-03-19T12:00:00-05:00.
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.