Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8661486
Complaint Overview
Complaint ID: 8661486
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: Georgia
ZIP Code: 303XX
Date Received: 2024-03-30T12:00:00-05:00
Date Sent to Company: 2024-03-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is in response to closed CFPB case to Equifax ID # XXXX submitted on XX/XX/2024. ATTN : Equifax Equifax Response States : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. This was not a valid response to the issue at hand. As mentioned in case # XXXX. Documents have been provided to prove that this account has been discharged per the IRS 1099C cancellation of debt that was processed by the company which should have resulted in a {$0.00} balance for this account, instead XXXX has now sold the account to a third party to collect on a debt that has been cancelled. This account should not be on my credit report. This is a breach of TILA and my consumer rights are being violated.
Frequently Asked Questions
What is Complaint #8661486 about?
Complaint #8661486 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 2024-03-30T12:00:00-05:00.
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.