CFPB Complaint

EQUIFAX, INC. – CFPB Complaint ID 2684952

Consumer Complaint Submission

Date Received: 2017-09-26T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a copy of my credit report and am disputing some items that need to be deleted.

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Company: EQUIFAX, INC.

State/Zip: NC 272XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2684952

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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