Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7893197
Complaint Overview
Complaint ID: 7893197
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: Was not notified of investigation status or results
State: New York
ZIP Code: 11364
Date Received: 2023-11-22T12:00:00-05:00
Date Sent to Company: 2023-11-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX Account Number : XXXX This account has never been verified, I dont recall having late payment on this specific account the Status Shown as Inaccurate it shouldnt be Derogatory it was reporting inaccurate information please update the billing error update as agreed Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX Account Number : XXXX I dont recall being late on this account. Please verify all information is XXXX percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX, NY XXXX XXXX following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Frequently Asked Questions
What is Complaint #7893197 about?
Complaint #7893197 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 2023-11-22T12:00:00-05:00.
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.