Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7636437
Complaint Overview
Complaint ID: 7636437
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Florida
ZIP Code: 335XX
Date Received: 2023-10-03T12:00:00-05:00
Date Sent to Company: 2023-10-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), Equifax conveyed that XXXX XXXX the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my Equifax credit report is conspicuously missing this critical revolving account and the associated credit history. ( " XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from Equifax 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when Equifax declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with XXXX XXXX regarding the payment history. I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting Equifax with the indispensable information needed to accurately update my credit report. The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. To ensure transparency and collaborative resolution, I am including XXXX XXXX in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. I kindly urge both Equifax and XXXX XXXX to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. Thank you for your immediate attention and cooperation.
Frequently Asked Questions
What is Complaint #7636437 about?
Complaint #7636437 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-10-03T12:00:00-05:00.
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 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.