Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #7143970
Complaint Overview
Complaint ID: 7143970
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: Didn't receive services that were advertised
State: Florida
ZIP Code: 326XX
Date Received: 2023-06-20T12:00:00-05:00
Date Sent to Company: 2023-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023, I initiated complaint # XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, the XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter confirming that the hard inquiry was not initiated by me. They stated that they would send this confirmation to the Equifax credit bureau and requested me to wait for up to 30 days. As of XX/XX/2023, the hard inquiry still appeared on my Equifax report. I contacted the XXXX XXXX XXXX XXXX XXXX to verify if they had sent the confirmation to Equifax. On XX/XX/2023, an associate from XXXXXXXX XXXX contacted me by phone and confirmed that the request to remove the hard inquiry had been sent to Equifax in XX/XX/2023. On XX/XX/2023, I initiated a dispute regarding the hard inquiry with Equifax. However, as a result of the dispute, I received a message instructing me to contact the agency that initiated the hard inquiry and ask them to report the changes to Equifax. This seems to be an infinite loop, suggesting that either one of the mentioned institutions did not send a confirmation or did not accept it.
Frequently Asked Questions
What is Complaint #7143970 about?
Complaint #7143970 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 2023-06-20T12:00:00-05:00.
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.