Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8085811
Complaint Overview
Complaint ID: 8085811
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: Texas
ZIP Code: XXXXX
Date Received: 2023-12-31T12:00:00-05:00
Date Sent to Company: 2023-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have made multiple attempts to contact XXXX, Equifax, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and XXXX indicate that the account is in collections, Equifax states that it is 120 days late. Additionally, Equifax reports the last payment as XX/XX/XXXX, whereas XXXX and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.
Frequently Asked Questions
What is Complaint #8085811 about?
Complaint #8085811 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 2023-12-31T12:00:00-05:00.
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.