Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8990121
Complaint Overview
Complaint ID: 8990121
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: Problem with personal statement of dispute
State: New Jersey
ZIP Code: 08817
Date Received: 2024-05-12T12:00:00-05:00
Date Sent to Company: 2024-05-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXXXXXX XXXX. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. In all the time not once did XXXXXXXX XXXX mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.
Frequently Asked Questions
What is Complaint #8990121 about?
Complaint #8990121 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 2024-05-12T12:00:00-05:00.
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.