Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8789299
Complaint Overview
Complaint ID: 8789299
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: Was not notified of investigation status or results
State: Illinois
ZIP Code: 60616
Date Received: 2024-04-16T12:00:00-05:00
Date Sent to Company: 2024-04-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint against Equifax regarding their failure to respond to my dispute letter and investigate inaccurate items on my credit report and incorrect personal information. On XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to Equifax, requesting an investigation into several inaccuracies on my credit report.Additionally, I disputed incorrect personal information listed on my credit report, such as Despite sending the dispute letter via mail and providing all necessary information, I am still waiting to receive a response from Equifax regarding the results of the investigation and I am still waiting to receive acknowledgement or resolution from Equifax. This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. I also request that Equifax be required to provide a prompt and satisfactory resolution to my dispute, including correcting any inaccuracies on my credit report and permanent removal of the disputed negative items on my credit report. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #8789299 about?
Complaint #8789299 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 2024-04-16T12:00:00-05:00.
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.