Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6766275
Complaint Overview
Complaint ID: 6766275
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: Ohio
ZIP Code: 44212
Date Received: 2023-03-28T12:00:00-05:00
Date Sent to Company: 2023-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.
Frequently Asked Questions
What is Complaint #6766275 about?
Complaint #6766275 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 2023-03-28T12:00:00-05:00.
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.