Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7371489
Complaint Overview
Complaint ID: 7371489
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: Illinois
ZIP Code: 60624
Date Received: 2023-08-08T12:00:00-05:00
Date Sent to Company: 2023-08-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
To whom it may concern, From XX/XX/XXXX until XX/XX/XXXX Equifax was reporting an unknown bankruptcy on my Equifax credit file. As of XX/XX/XXXX Equifax was no longer reporting a bankruptcy on credit file do to consumer invalidating Equifax multiple claims to have had verified unknown Bankruptcy with numerous sources ( XXXX, XXXX, US Federal Courts ) bankruptcy was removed on XXXX XX/XX/XXXX bankruptcy was reinstated for reason unknown. On XX/XX/XXXX I contacted Equifax speaking to Bankruptcy Rep XXXX ID # XXXX. She stated on a recorded line that they received this information directly from the XXXX XXXX XXXX I informed XXXX that I contacted the Federal Courts on XX/XX/XXXX and they provided me with a letter stating that they do not report to any credit agencies, nor do they verify or validate any information. the same letter I presented to XXXX where they did their investigation and removed it from their records, because the information couldn't be verified I have also included that letter. I contacted XXXX and they provided me with a confirmation letter, stating that they do not report verify or validate any information to any consumer credit agencies and these are the sources Equifax has stated verified the unknown Bankruptcy directly to Equifax which is false! FCRA Law states any information being reported on a consumer credit file must be accurate, complete and verifiable. Equifax Rep XXXX ID # XXXX also stated Equifax has no record of Bankruptcy ever being reported before XX/XX/XXXX and Equifax has no record of unknown Bankruptcy ever being deleted. I have also attached documents showing Equifax report history of when unknown Bankruptcy was reporting and when it stoped reporting unknown Bankruptcy and when it started reporting again on XX/XX/XXXX I have also attached a FTC report for Equifax for reinstall an account on credit file that was removed do to not being verified from Equifax sources for Equifax to continue to report unverified Bankruptcy is Identity Theft.
Frequently Asked Questions
What is Complaint #7371489 about?
Complaint #7371489 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 2023-08-08T12:00:00-05:00.
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.