Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9998423
Complaint Overview
Complaint ID: 9998423
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: North Carolina
ZIP Code: 28376
Date Received: 2024-09-03T12:00:00-05:00
Date Sent to Company: 2024-09-03T12:00:00-05:00
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 formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : Equifax, XXXX, and XXXX. On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than 30 days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : 1. One credit bureau is displaying no payment history for this account. 2. The other two credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once. This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report. Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports. I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report. Thank you for your assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9998423 about?
Complaint #9998423 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 2024-09-03T12:00:00-05:00.
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.