Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8012648
Complaint Overview
Complaint ID: 8012648
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: Their investigation did not fix an error on your report
State: New York
ZIP Code: 10026
Date Received: 2023-12-16T12:00:00-05:00
Date Sent to Company: 2023-12-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
EQUIFAX Confirmation # XXXX ACCOUNT # XXXX DISPUTED account aslo was never in collections, please remove collections. The credit law that addresses the verification of accounts and requires documentation falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This section of the FCRA deals with the procedures in case of disputed accuracy. Here are the key aspects of this law : Consumer 's Dispute : If a consumer disputes the accuracy of any information in their credit report, the consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Verification of Information : During the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer concerning the dispute. Documentation Requirement : The CRA must verify the accuracy of the information by checking with the original creditor or other reliable sources. This means the CRA may need to request documentation or other forms of evidence from the creditor that originally provided the information. Results of XXXX : If, after the reinvestigation, an item is found to be inaccurate or can not be verified, the CRA must promptly delete that information from the consumer 's credit file. I am writing to file a formal complaint regarding inaccuracies in my credit report, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681, Sections 602 A and 604 A ( 2 ). As stipulated in 15 U.S.C. 1681, Section 602 A, I have the right to privacy in the handling of my credit information. Additionally, under Section 604 A ( 2 ) of the same code, a consumer reporting agency is not permitted to furnish any account information without my explicit written instructions. Despite these legal protections, I have discovered unauthorized entries on my credit report, indicating a failure by the credit reporting agencies to adhere to these critical aspects of the FCRA. Specifically, these agencies have furnished information about accounts for which I have not given any written authorization, thus infringing on my right to privacy. I respectfully request the CFPB to investigate this matter, ensuring adherence to the stipulated legal provisions. I seek a resolution where the unverified and unauthorized information is removed from my credit report.
Frequently Asked Questions
What is Complaint #8012648 about?
Complaint #8012648 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 2023-12-16T12:00:00-05:00.
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.