Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9596869
Complaint Overview
Complaint ID: 9596869
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: XXXXX
Date Received: 2024-07-23T12:00:00-05:00
Date Sent to Company: 2024-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading representations about the status of a debt. I request that XXXX, as mandated by 15 U.S.C. 1681s-2 ( a ), conduct a thorough investigation into this matter. This includes verifying the following : The legal basis for the re-reporting of this account after it was sold. The current ownership and status of the debt. Any evidence that the debt collector has the right to report the account on my credit report. In addition to the legal obligations under the FCRA and FDCPA, I remind you that accurate credit reporting is essential for consumers ' financial well-being. Inaccurate information can have severe consequences, including denial of credit, increased interest rates, and difficulty obtaining housing or employment. I expect a comprehensive investigation and resolution within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please provide me with a written report detailing the results of your investigation and any actions taken to correct the inaccurate information XXXX refuses to remove inaccurate information after several request made, I also sent them information regarding identity theft. I called multiple times and can not get anyone on the phone. Also I am asserting my right to opt out.
Frequently Asked Questions
What is Complaint #9596869 about?
Complaint #9596869 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 2024-07-23T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.