Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #7729767
Complaint Overview
Complaint ID: 7729767
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Massachusetts
ZIP Code: 02121
Date Received: 2023-10-19T12:00:00-05:00
Date Sent to Company: 2023-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello Im reaching out because Im having an issue with my student loans. As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!! Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it
Frequently Asked Questions
What is Complaint #7729767 about?
Complaint #7729767 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2023-10-19T12:00:00-05:00.
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.