Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7557823
Complaint Overview
Complaint ID: 7557823
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 342XX
Date Received: 2023-09-15T12:00:00-05:00
Date Sent to Company: 2023-09-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have an auto loan account that was initially opened with XXXX XXXX XXXX XXXX, which later transitioned into XXXX XXXX XXXX. The account first went delinquent in early XXXX. However, the payment history provided by Equifax does not show any records prior to XX/XX/XXXX. This is problematic because it means that the information is both incomplete and potentially inaccurate. As of XX/XX/XXXX, the account continues to appear on my Equifax credit report, which contradicts the Fair Credit Reporting Act 's ( FCRA ) rule stipulating a 7-year limit for reporting delinquencies. Early XXXX : Auto loan account first became delinquent. XX/XX/XXXX : Payment history on Equifax begins from this date ; no prior delinquency information is available. XX/XX/XXXX : The account remains on my credit report, violating the FCRA 's 7-year reporting limit. Initiated a dispute with Equifax regarding the incomplete and outdated information related to this auto loan account. Equifax has not made any corrections or removals in response to the dispute, thereby failing to align with FCRA guidelines. I request the CFPB to look into this matter and enforce compliance with the Fair Credit Reporting Act by Equifax.
Frequently Asked Questions
What is Complaint #7557823 about?
Complaint #7557823 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2023-09-15T12:00:00-05:00.
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 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.