Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7287171
Complaint Overview
Complaint ID: 7287171
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: 91342
Date Received: 2023-07-21T12:00:00-05:00
Date Sent to Company: 2023-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Equifax does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Equifax marks this account as disputed to prevent further damage to my credit score. The account XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Equifax 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Equifax to mark this account as disputed until a resolution is reached.
Frequently Asked Questions
What is Complaint #7287171 about?
Complaint #7287171 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 2023-07-21T12:00:00-05:00.
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.