Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7265540
Complaint Overview
Complaint ID: 7265540
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: California
ZIP Code: 90808
Date Received: 2023-07-17T12:00:00-05:00
Date Sent to Company: 2023-07-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my THIRD WRITTEN DISPUTE to Equifax to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : 30 Days Past Due on XXXX XXXX, 60 Days Past Due on XX/XX/2021 and 90 Days Past Due on XX/XX/2021. I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX an accommodation to my original loan contract with respect to lower 6 payments XXXX XXXX through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through today. In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Frequently Asked Questions
What is Complaint #7265540 about?
Complaint #7265540 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 2023-07-17T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.