Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8433945
Complaint Overview
Complaint ID: 8433945
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: Texas
ZIP Code: 78613
Date Received: 2024-02-27T12:00:00-05:00
Date Sent to Company: 2024-02-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to express my extreme frustration and dissatisfaction regarding the repeated and unsuccessful attempts to remove late open and charge-off accounts from my credit report. Despite numerous efforts on my part and assurances from your company, these detrimental entries persist, adversely affecting my financial standing and peace of mind. Over the past several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Regrettably, each attempt has been met with temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and reflects poorly on your company 's commitment to customer service and accuracy. The persistence of these late open and charge-off accounts on my credit report has had severe consequences, including hindering my ability to access credit and obtain favorable terms on financial products. Furthermore, it has caused undue stress and XXXX as I struggle to navigate the financial implications of these inaccuracies. I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXXXXXXBalance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXBalance Owed : {$0.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. XXXX XXXX Balance Owed : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Frequently Asked Questions
What is Complaint #8433945 about?
Complaint #8433945 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 2024-02-27T12:00:00-05:00.
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.