Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7739908
Complaint Overview
Complaint ID: 7739908
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Florida
ZIP Code: 33180
Date Received: 2023-10-22T12:00:00-05:00
Date Sent to Company: 2023-10-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Dispute held on XX/XX/XXXX and escalated on XX/XX/XXXX under the number XXXX. I hope this letter finds you well. I am writing to formally lodge a complaint regarding a dispute I filed on XX/XX/XXXX regarding my credit report. As of the date of this letter, more than 30 calendar days have passed without receiving any response from the credit reporting agency, and I have been repeatedly transferred to supervisors and the internal affairs department without obtaining a satisfactory resolution. The lack of response and constant transfer to different departments without a clear and definitive solution has caused great annoyance and frustration in my situation. Every time I contact the credit reporting agency, the agents and supervisors provide contradictory information and my case is not handled appropriately. The Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies have an obligation to investigate and resolve consumer disputes within a reasonable timeframe, which in this case is 30 calendar days. However, the credit reporting agency has exceeded this timeframe without providing a proper response or resolution. This lack of action and delay in resolving my dispute is having a significant impact on my life both economically and personally. My ability to obtain credit, loans, and other financial services has been negatively affected due to the lack of response and the incorrect mixing of information in my credit report. Furthermore, the inconsistency in the information provided by the credit reporting agency 's agents and supervisors has generated further confusion and has made it difficult to resolve my case. This lack of professionalism and compliance with the deadlines established by the FCRA is unacceptable and has led me to consider taking legal action to protect my consumer rights. I request your intervention and assistance in resolving this dispute in a timely and appropriate manner. Additionally, I urge you to take necessary measures to ensure that the credit reporting agency complies with their legal obligations as outlined in the FCRA and that appropriate corrective actions are taken. Attached to this letter, you will find copies of all relevant documents related to my dispute, including correspondence with the credit reporting agency and any other pertinent documentation. I appreciate your prompt attention to this matter and look forward to receiving a satisfactory response within a reasonable timeframe. I trust that your intervention will help resolve this situation and ensure that necessary measures are taken to protect my consumer rights. Sincerely,
Frequently Asked Questions
What is Complaint #7739908 about?
Complaint #7739908 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 2023-10-22T12:00:00-05:00.
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.