Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8267740
Complaint Overview
Complaint ID: 8267740
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: Colorado
ZIP Code: 80206
Date Received: 2024-02-01T12:00:00-05:00
Date Sent to Company: 2024-02-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with XXXX, XXXX, and Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. The disputed accounts and their respective identifying information are as follows : 1. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX 2. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 3. XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 4. XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. - According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. - Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. Thank you for your immediate attention to these serious concerns.
Frequently Asked Questions
What is Complaint #8267740 about?
Complaint #8267740 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 2024-02-01T12:00:00-05:00.
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.