Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7356088
Complaint Overview
Complaint ID: 7356088
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: Michigan
ZIP Code: 48224
Date Received: 2023-08-05T12:00:00-05:00
Date Sent to Company: 2023-08-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It XXXX Concern : I am submitting an urgent complaint that requires the CFPB 's immediate priority assistance. Equifax has failed to resolve my credit reporting dispute despite four attempts over several months. Equifax continues refusing to provide mandatory investigative documentation related to a demonstrably fraudulent charge-off from XXXX XXXX ( Account # XXXX ), in violation of Section 611 of the FCRA. This false information is blocking my approved federal financial aid to attend college this year. The fall semester starts on XX/XX/2023 and I must accept my student loans by XX/XX/XXXX. However, Equifax refuses to produce the required reinvestigation records validating the account, which is my right as the disputing consumer under federal law. I implore the CFPB to take swift action to compel Equifax to provide the documentation immediately and resolve this unlawful obstruction of my dispute rights. Equifax must comply no later than XX/XX/2023 to avoid irrevocable harm to my education and future opportunities. Please contact me as soon as possible by phone at XXXX or email at XXXX to advise next urgent steps your office can take to enforce fair credit reporting protections. I am available anytime and happy to quickly provide any evidence required. Thank you in advance for your prompt assistance. Best, XXXX
Frequently Asked Questions
What is Complaint #7356088 about?
Complaint #7356088 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 2023-08-05T12:00:00-05:00.
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.