Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6812991
Complaint Overview
Complaint ID: 6812991
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: Virginia
ZIP Code: 23224
Date Received: 2023-04-08T12:00:00-05:00
Date Sent to Company: 2023-04-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently submitted a complaint ( XXXX ) against Equifax Credit on XXXX, and I still have an issues with this organization. First and foremost, I had to submit two request which has taken well over 60 days for them to complete. The second time of submission, I submitted proof of payoffs from the creditors and Equifax still failed to correct the errors. In fact, they closed each request out, stating that the information was being reported correctly. Yet and still I have proof of payments to and from creditors. The two other bureaus seemed to have updated the same information with 15 days of receiving the payments. As I viewed my Equifax credit file most recently, I see where the credit account has been updated but my credit score is NOT reflecting what it should. I have ZERO late payments on my credit file. I am looking at Equifax 's credit scoring and reasoning behind MY actual credit score and factors affecting it. I took the time to screenshot these factors. The other area of concern is that Equifax has still NOT corrected one of the creditors ( XXXX XXXX ) that was recently paid and addressed in my last complaint with them ( 3 times now ), and with cfpb. I have also attached a screenshot of Equifax 's reporting status for the XXXX XXXX account in conjunction with my personal credit file. The information attached was obtained directly from Equifax 's website. I also attempted to submit yet another dispute to have this corrected and was unable to do so. I have attempted several times to have this information corrected and feel like I am not being heard and discriminated against at this point. As for the credit score reporting, I have NO LATE PAYEMNTS, I HAVE NO JUDGEMENTS, NO COLLECTIONS, USING ABOUT 11 % OF MY AVAILABLE CREDIT, A DEBT TO INCOME RATIO THAT '' S AROUND 29 % and INCORRECT INFO BEING REPORTED, and CREDIT SCORE THAT REFLECTS OPPOSITE OF WHAT MY CREDIT HISTORY, CURRENT CREDIT STATUS, ETC reflects per Equifax 's criteria ( attached ). I am seriously considering filing a lawsuit against EQUIFAX should this NOT be corrected IMMEDIATELY as I have made several attempts to work with these issues remedied. Your help and assistance is greatly appreciated. Thank you
Frequently Asked Questions
What is Complaint #6812991 about?
Complaint #6812991 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 2023-04-08T12:00:00-05:00.
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.