Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6784935
Complaint Overview
Complaint ID: 6784935
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: Connecticut
ZIP Code: 06051
Date Received: 2023-04-02T12:00:00-05:00
Date Sent to Company: 2023-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I contacted Equifax regarding the following inaccurate information on my credit report. As of today, I have not received any response from them. Therefore, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). I found inaccurate information on my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. While I am aware of the original creditor, XXXX XXXX, I have no knowledge of the collection agency that has been reported, as I have no contract with them. Furthermore, the reported balance of {$120.00} is inaccurate, as I believe it should be a lower amount. Additionally, the reported balance is higher than the high balance on the same account, which clearly demonstrates the inaccuracy of your reporting. In light of these inaccuracies, I dispute the entire account and request that the following dates be verified : Date Opened and Date of First Delinquency. The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I have only contracted with the original creditor, XXXX XXXX. The balance of {$270.00} is also higher than what I remember. This information is inaccurate, and I dispute the entire account. I request that the following dates be verified : Date Opened, Date of First Delinquency, Date of Status and First Reported. I am also disputing the following accounts : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ) : This account is not mine, and I request that you remove it from my credit report.
Frequently Asked Questions
What is Complaint #6784935 about?
Complaint #6784935 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 2023-04-02T12:00:00-05:00.
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.