CFPB Complaint

EQUIFAX, INC. – CFPB Complaint ID 3048229

Consumer Complaint Submission

Date Received: 2018-10-16T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.

Company: EQUIFAX, INC.

State/Zip: IL 601XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3048229

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.

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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.

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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