Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8196506
Complaint Overview
Complaint ID: 8196506
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: Illinois
ZIP Code: 60628
Date Received: 2024-01-21T12:00:00-05:00
Date Sent to Company: 2024-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. XXXX XXXX XXXX : 1. Account has been charged off since XX/XX/XXXX. 2. Last Payment Reporting = XX/XX/XXXX. 3. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 4. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 5. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. XXXX XXXX : The lender has a pattern of reporting positive history to claim charge off for tax fraud. XXXX. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. XXXX. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. XXXX. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. XXXX. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section 609. Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Frequently Asked Questions
What is Complaint #8196506 about?
Complaint #8196506 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 2024-01-21T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.