Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8236976
Complaint Overview
Complaint ID: 8236976
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: Florida
ZIP Code: 33025
Date Received: 2024-01-27T12:00:00-05:00
Date Sent to Company: 2024-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My payment history is incorrect and 100 % inaccurate.This is a violation. I was never late and this account is reporting charge off every month and year. This account is reporting illegal information that is unverifiable. If this account is a charge-off why i haven't received a 1099c form, and why the account is not reporting paid in full or less. 15 usc 1601 ( a ) inform use of credit ( b ). YOUR company misconduct and violate my rights with negligence 15usc1681 ( e ) ( b ) compliance and procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I demand to see verifiable proof with my name sign on a contract. By FCRA law any Unverifiable account need to be deleted. XXXX XXXX Date opened XX/XX/2016 Balance {$6000.00} Status Account charged off. {$6000.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2. The Fair Credit Billing Act ( FCBA ), WHEN THERE IS A BILLING ERROR and my payment history is inaccurate/ unverifiable/ Non compliance The Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. There are no equal rights at all. This account does not Meet all requirements of the Fair Credit Reporting Act ( FCRA ), THIS IS WILLFUL NON COMPLIANCE TO REPORT 100 % accuracy.
Frequently Asked Questions
What is Complaint #8236976 about?
Complaint #8236976 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 2024-01-27T12:00:00-05:00.
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.