Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6753609
Complaint Overview
Complaint ID: 6753609
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: Alabama
ZIP Code: 35205
Date Received: 2023-03-26T12:00:00-05:00
Date Sent to Company: 2023-03-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several weeks ago, when I check my credit score from Equifax, I find that XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to XXXX XXXXXXXX XXXX for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police ( attachment is the report ) and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. Second, XXXX XXXXXXXX XXXX have never contacted me about the debt ( no phones, no letter and no emails or in-person ), I first know about this debt via Equifax, which hurt my credit score a lot during the time I want to apply for a mortgage. Third, I filed a dispute in Equifax which they carried out an investigation by contacting the XXXX XXXX XXXX in which Equifax said that the XXXX XXXX XXXX said the debt was mine. During the whole process, the collection agent never contact me and Equifax believed them. Fourth, the whole case did not make any common sense. Equifax knew that I pay off my credit card every month for a the whole time I have credit history, so why I will not pay this XXXX $ and let it be handled by a debt collector and why debt collector was willing to spend time and resources to collect XXXX XXXX Those things are very suspicious and Equifax never truly investigate the problem.
Frequently Asked Questions
What is Complaint #6753609 about?
Complaint #6753609 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 2023-03-26T12:00:00-05:00.
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.