Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8254535
Complaint Overview
Complaint ID: 8254535
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Indiana
ZIP Code: 46410
Date Received: 2024-01-30T12:00:00-05:00
Date Sent to Company: 2024-01-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX. Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX. Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. Consider further action, including public enforcement measures against XXXX XXXX if they fail to comply with the CFPB 's XXXX. I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. Thank you for your continued attention to this matter.
Frequently Asked Questions
What is Complaint #8254535 about?
Complaint #8254535 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-30T12:00:00-05:00.
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.