Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7560511
Complaint Overview
Complaint ID: 7560511
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: Investigation took more than 30 days
State: Pennsylvania
ZIP Code: 19138
Date Received: 2023-09-16T12:00:00-05:00
Date Sent to Company: 2023-09-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear Equifax [ Credit Reporting Agency ], Delete : XXXX XXXX XXXX because it was not validated within 30 days I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from Equifax [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. Delete : XXXX XXXX XXXX because it was not validated within 30 days Therefore, I maintain my demand for monetary relief as compensation for the violations committed by Equifax [ Credit Reporting Agency ] . I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. Delete : XXXX XXXX XXXX because it was not validated within 30 days I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA. Delete : XXXX XXXX XXXX because it was not validated within 30 days Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. Delete : XXXX XXXX XXXX because it was not validated within 30 days
Frequently Asked Questions
What is Complaint #7560511 about?
Complaint #7560511 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 2023-09-16T12:00:00-05:00.
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.