Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8120889
Complaint Overview
Complaint ID: 8120889
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: Michigan
ZIP Code: 48104
Date Received: 2024-01-07T12:00:00-05:00
Date Sent to Company: 2024-01-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed an XXXX account/tradeline on dozens of occasions with Equifax ( see : XXXX ). IN particular I have disputed a date of first delinquency that reports two ( 2 ) years AFTER the date it should. While the subject of this dispute is no the unlawful charge-off of the account, it should be noted that the Date of Default alleged by XXXX was on or around XX/XX/XXXX and the account was alleged to have been charged-off on XXXX XX/XX/XXXX. Yet, Equifax continues to report the Date of First Delinquency ( DoFD ), aka the date of default, as XX/XX/XXXX. This is a non-causal date as the DoFD must precede the charge-off. Clearly, it does not. I have disputed an unrelated account with Equifax ( see : CFPB Complaint XXXX ). I have observed that in disputing the account the latest response from XXXX states " THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, [... ], DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, [... ], ACCOUNT HISTORY '' So it is not the case hat Equifax is incapable of transmitting disputes involving the DoFD, it's that they will not do it for the XXXX account. It's pretty clear Equifax is neither implementing reasonable meausres in response to disputes, nor is conducting reinvestigations that ensure maximum possible accuracy. The Date of First Delinquency reported for the account is PATENTLY INCORRECT.
Frequently Asked Questions
What is Complaint #8120889 about?
Complaint #8120889 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 2024-01-07T12:00:00-05:00.
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.