Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #6941587
Complaint Overview
Complaint ID: 6941587
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Louisiana
ZIP Code: XXXXX
Date Received: 2023-05-07T12:00:00-05:00
Date Sent to Company: 2023-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or near XX/XX/2022 I notice a fraudulent collection account appear on my credit report XXXX XXXX XXXX. I contacted the creditor and was told this was an old account with my name attached to it but they could not provide any historical data and offered to depute the fraudulent account. As it remained on my credit report I contract Equifax to file a dispute and in 30-Days I was told the company responded with an invoice and that the case was closed. I demanded to speak with the fraud department upon hearing this as this was not a proper investigation, merely uploading an invoice with my name on it barely an investigation and certainly not grounds to close the investgation. I was advise by Equifax to then verify my identity via certified mail, to which I did, and to dispute the fraudulent account again after I prove my identity. The Last step was to file a CFPB complaint and fax it over to Equifax and they would delete the within 2 business days.
Frequently Asked Questions
What is Complaint #6941587 about?
Complaint #6941587 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2023-05-07T12:00:00-05:00.
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.