Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8054270
Complaint Overview
Complaint ID: 8054270
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: Georgia
ZIP Code: 30121
Date Received: 2023-12-25T12:00:00-05:00
Date Sent to Company: 2023-12-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX, Equifax, and XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to the XXXX XXXX XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. In these letters, I requested that the XXXX XXXX XXXX confirm the validity of the debt and cease collection efforts as required by applicable state and federal laws. Despite my requests, the XXXX XXXX XXXX failed to respond to the letters sent on XX/XX/2023, and XX/XX/2023. Moreover, they continued to report the debt to the credit bureaus, which I believe is a clear violation of my rights under the FDCPA and the FCRA for their failure to verify the debt, cease collection efforts, and for inaccurate reporting. on XX/XX/2023, I called XXXX XXXX XXXX in regard to their failure to respond to my letter and they sent me a via email with nothing I have asked from my validation letter and was past the 30 days time frame from XX/XX/2023, when I first asked for them to verify the debt with me. Furthermore, I have evidence from the XXXX XXXX XXXX XXXX XXXX XXXX reviews showing that the XXXX XXXX XXXX has engaged in similar practices with other individuals. They have consistently failed to send validation of debt or respond to validation requests, failing to follow the guidelines set forth by the FDCPA and FCRA. In addition to these violations, I have been unable to obtain my free credit reports from Equifax and XXXX via XXXX for the past XXXX months, which is a violation of my rights under the FCRA. This inability to access my credit reports has further hindered my ability to address and correct inaccuracies. I also want to point out that in my credit report XXXX XXXX system has XXXX different addresses and phone numbers on my credit report and none of those addresses/phone numbers matches the address or number they have on their website which is inaccurate and confusing to me I kindly request that the CFPB investigate these violations of the FDCPA and FCRA by XXXX XXXX XXXXXXXX XXXX Equifax, and XXXX, and take appropriate actions to remedy these issues. Additionally, I request that appropriate enforcement actions be taken against the XXXX XXXX XXXX for its continued violations, as demonstrated by the evidence provided. Enclosed with this complaint, you will find copies of all relevant correspondence, including my certified letters to the credit bureaus and XXXX XXXX XXXX, as well as their responses, and evidence from the XXXX demonstrating their repeated violations.
Frequently Asked Questions
What is Complaint #8054270 about?
Complaint #8054270 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 2023-12-25T12:00:00-05:00.
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.