{"took":159,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13502,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5369275","_score":14.204825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The CFPB closed my case # XXXX, but Equifax has not responded. \nEquifax only stated it has started an investigation and the CFPB closed the complaint. \nEquifax has not investigated nor has it responded to any specifics. \nWhy has the CFPB concluded that the case is closed? \nEquifax is required to respond to my complaint with a re-investigation and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from Equifax?","date_sent_to_company":"2022-03-25T23:03:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5369275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-25T22:52:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The CFPB closed my case # <em>XXXX</em>, but <em>Equifax</em> has not <em>responded</em>. \n<em>Equifax</em> only stated it has started an <em>investigation</em> and the CFPB closed the complaint. \n<em>Equifax</em> has not <em>investigated</em> nor has it <em>responded</em> to any specifics. \nWhy has the CFPB concluded that the case is closed? \n<em>Equifax</em> is required to <em>respond</em> to my complaint with a re-<em>investigation</em> and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from <em>Equifax</em>?"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.204825,"5369275"]},{"_index":"complaint-public-v1","_id":"5250137","_score":13.806707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a dispute letter through USPS mail to Equifax on XX/XX/2021. The details of the dispute are inside the letter. Equifax have not responded to this letter. Equifax have not informed me if they have opened an investigation regarding the disputed item/items in the dispute letter. \nEquifax need to provide a respond to me ASAP since it is now way over 30 days. \nEquifax needs to open an investigate to address the dispute within the letter. \nEquifax needs provide details of the investigation.","date_sent_to_company":"2022-02-22T22:31:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20783","tags":null,"has_narrative":true,"complaint_id":"5250137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-22T22:13:39.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I sent a dispute letter through USPS mail to <em>Equifax</em> on <em>XX/XX</em>/2021. The details of the dispute are inside the letter. <em>Equifax</em> have not <em>responded</em> to this letter. <em>Equifax</em> have not informed me if they have opened an <em>investigation</em> regarding the disputed item/items in the dispute letter. \n<em>Equifax</em> need to provide a <em>respond</em> to me ASAP since it is now way over 30 days. \n<em>Equifax</em> needs to open an <em>investigate</em> to address the dispute within the letter. \n<em>Equifax</em> needs provide details of the <em>investigation</em>."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.806707,"5250137"]},{"_index":"complaint-public-v1","_id":"4342879","_score":13.786572,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent Equifax a letter disputing the accounts in error on credit report XXXX XXXX and Chapter XXXX Bankruptcy in XX/XX/2021. Equifax did not respond to dispute with investigation results. I sent another dispute letter about Chapter XXXX Bankruptcy and Equifax did not respond dispute with investigation results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to respond to a dispute and if they do not the items they are reporting must be deleted.","date_sent_to_company":"2021-05-01T20:11:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30269","tags":null,"has_narrative":true,"complaint_id":"4342879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-05-01T19:36:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I sent <em>Equifax</em> a letter disputing the accounts in error on credit report <em>XXXX</em> <em>XXXX</em> and Chapter <em>XXXX</em> Bankruptcy in <em>XX/XX</em>/2021. <em>Equifax</em> did not <em>respond</em> to dispute with <em>investigation</em> results. I sent another dispute letter about Chapter <em>XXXX</em> Bankruptcy and <em>Equifax</em> did not <em>respond</em> dispute with <em>investigation</em> results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to <em>respond</em> to a dispute and if they do not the items they are reporting must be deleted."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.786572,"4342879"]},{"_index":"complaint-public-v1","_id":"3713384","_score":13.695686,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> Closed Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting company 's <em>investigation</em> <em>Equifax</em> Information Services XX/XX/<em>XXXX</em> Closed Company <em>responded</em> Closed with explanation <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting company 's <em>investigation</em> <em>Equifax</em> Information Services XX/XX/<em>XXXX</em> Closed Company <em>responded</em> Closed with explanation <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting company 's <em>investigation</em> <em>Equifax</em> Credit File XX/XX/<em>XXXX</em> Closed Company <em>responded</em> Closed with explanation <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting company"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.695686,"3713384"]},{"_index":"complaint-public-v1","_id":"7077024","_score":13.642464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On, XX/XX/2023, I sent a letter to Equifax asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, \" says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/2023, I sent a certified letter to Equifax stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report. \n\nOn XX/XX/2023 Equifax swiftly responds to my certified letters asking me for more information so that they can investigate my dispute. This letters appears to be a further attempt by Equifax to stall the process of removing inaccurate and negative information from my report as now required by the FCRA.","date_sent_to_company":"2023-06-07T02:56:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"7077024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-07T02:28:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2023 <em>Equifax</em> swiftly <em>responds</em> to my certified letters asking me for more information so that they can <em>investigate</em> my dispute. This letters appears to be a further attempt by <em>Equifax</em> to stall the process of removing inaccurate and negative information from my report as now required by the FCRA."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.642464,"7077024"]},{"_index":"complaint-public-v1","_id":"6285054","_score":13.609798,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint # XXXX was filed and CFPB received the response from Equifax and they did not investigate these accounts that are reporting in error and fraudulent. \n\nCFPB, FTC and FCRA needs to regulate its authority over Equifax, XXXX and XXXX XXXX for responding with false statements that say theyre investigating errors on credit reports. \n\nATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! \n\nXXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The US Dept of Education accounts are closed but still reporting the fraudulent accounts on my credit report. Equifax refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove Equifax DID NOT INVESTIGATE.","date_sent_to_company":"2022-12-06T09:13:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72223","tags":"Servicemember","has_narrative":true,"complaint_id":"6285054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-06T08:41:40.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Complaint # <em>XXXX</em> was filed and CFPB received the response from <em>Equifax</em> and they did not <em>investigate</em> these accounts that are reporting in error and fraudulent. \n\nCFPB, FTC and FCRA needs to regulate its authority over <em>Equifax</em>, <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> for <em>responding</em> with false statements that say theyre <em>investigating</em> errors on credit reports. \n\nATTACHED IS LETTERS PROVING THEY DID NOT <em>INVESTIGATE</em>!"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.609798,"6285054"]},{"_index":"complaint-public-v1","_id":"3048884","_score":13.563715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.","date_sent_to_company":"2018-10-17T16:46:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10035","tags":null,"has_narrative":true,"complaint_id":"3048884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-10-17T16:29:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, my husband and I sent a letter to <em>Equifax</em>, asking them to <em>investigate</em> errors on our credit report. Our understanding was that <em>Equifax</em> was supposed to <em>respond</em> within 30 days. Well, my husband received his <em>investigation</em> results from <em>Equifax</em> weeks ago, but I have yet to receive my <em>investigation</em> results. I have sent a follow-up letter to <em>Equifax</em> about this, but that hasn't been <em>responded</em> to either."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.563715,"3048884"]},{"_index":"complaint-public-v1","_id":"2695281","_score":13.539545,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.","date_sent_to_company":"2017-10-06T15:34:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27519","tags":null,"has_narrative":true,"complaint_id":"2695281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-06T15:23:41.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["on <em>XXXX</em> <em>XXXX</em>, I sent an <em>investigation</em> request to <em>Equifax</em>. 49 days have now passed, and <em>Equifax</em> has not <em>responded</em>. They are supposed to <em>respond</em> within 30 days."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.539545,"2695281"]},{"_index":"complaint-public-v1","_id":"4806892","_score":13.4341755,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX  XXXX XXXX XXXX mischief XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX \" ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : \" If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : \" Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. ''","date_sent_to_company":"2021-10-13T09:45:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"4806892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-13T08:56:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> complaint <em>XXXX</em> submitted to the CFPB requesting confirmation from <em>Equifax</em> that they will not be willing participants in the <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> mischief <em>XXXX</em> On XX/XX/<em>XXXX</em> <em>Equifax</em> <em>responded</em> to complaint <em>XXXX</em> please be advised that an <em>investigation</em> with the furnisher of the information was completed and results were mailed to you."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.4341755,"4806892"]},{"_index":"complaint-public-v1","_id":"2577541","_score":13.322948,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX    XXXX , 2017  I wrote a letter to Equifax regarding an old credit report investigation. I recently realized that I had filed a dispute with Equifax back in  XXXX  and did not receive any information about the results of the investigation.\n<P/>\nI sent Equifax a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the investigation results at the time.\n<P/>\nWhile Equifax did send me an updated report -- they did not adhere to the guidelines of the FCRA which states if they do not respond within 30 days, they must remove the negative information.\n<P/>\nEquifax did not respond to me within the 30 days period back in  XXXX  2017.","date_sent_to_company":"2017-07-17T04:20:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"2577541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-17T04:11:23.000Z","state":"AL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em>    <em>XXXX</em> , 2017  I wrote a letter to <em>Equifax</em> regarding an old credit report <em>investigation</em>. I recently realized that I had filed a dispute with <em>Equifax</em> back in  <em>XXXX</em>  and did not receive any information about the results of the <em>investigation</em>.\n<P/>\nI sent <em>Equifax</em> a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the <em>investigation</em> results at the time."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.322948,"2577541"]},{"_index":"complaint-public-v1","_id":"5249296","_score":13.255181,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A request was submitted to Equifax credit reporting agency to resolved a disputed item in the credit report, item XXXX for an alleged debt involving alleged creditor XXXX. A dispute and request for investigation for removal was mailed to Equifax on or about XX/XX/XXXX for myself. I alleged that the alleged debt was non existent and could not be substantiated and thus was incorrectly reflected as a charged off account on my credit report and demanded the debts investigation and deletion. \n\nTo this date, XX/XX/XXXX, Equifax has failed to investigate the claim or respond in any meaningful way. They have failed to respond within 30 days.","date_sent_to_company":"2022-02-22T20:57:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"5249296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-22T20:29:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["To this date, XX/XX/<em>XXXX</em>, <em>Equifax</em> has failed to <em>investigate</em> the claim or <em>respond</em> in any meaningful way. They have failed to <em>respond</em> within 30 days."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.255181,"5249296"]},{"_index":"complaint-public-v1","_id":"4836887","_score":13.237359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"BACKGROUND : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that XXXX will not be willing participants in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX \" ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was XXXX intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : \" If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : \" Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' FURTHER BACKGROUND : Equifax responded XX/XX/XXXX : \" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. ''","date_sent_to_company":"2021-10-22T10:50:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"4836887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-22T10:32:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["BACKGROUND : On XX/XX/<em>XXXX</em> complaint <em>XXXX</em> submitted to the CFPB requesting confirmation from <em>Equifax</em> that <em>XXXX</em> will not be willing participants in the <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> On XX/XX/<em>XXXX</em> <em>Equifax</em> <em>responded</em> to complaint <em>XXXX</em> please be advised that an <em>investigation</em> with the furnisher of the information was completed and results were mailed to you."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.237359,"4836887"]},{"_index":"complaint-public-v1","_id":"4727407","_score":13.218757,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"collection account from XXXX collections was placed on my Equifax credit report. \n\nOn XX/XX/2021 I sent a certified letter to XXXX collections to validate this unknown debt. \n\nXXXX did not respond to the notice to validate the debt On XX/XX/2021 I sent a second notice requesting validation- no response On XXXX I sent 3rd notice. \n\nI also sent a notice to Equifax on XX/XX/2021 informing them that XXXX failed to verify the account and to investigate and remove from credit report. Equifax failed to properly investigate this account and responded to me by mail stating the account was investigated and verified. \n\nOn XX/XX/2021 I sent another notice to Equifax informing them that XXXX wont validate the account and its the law to remove As of today Equifax refuses to properly investigate the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency.","date_sent_to_company":"2021-09-16T21:42:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27406","tags":null,"has_narrative":true,"complaint_id":"4727407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-16T21:26:21.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> failed to properly <em>investigate</em> this account and <em>responded</em> to me by mail stating the account was <em>investigated</em> and verified. \n\nOn <em>XX/XX</em>/2021 I sent another notice to <em>Equifax</em> informing them that <em>XXXX</em> wont validate the account and its the law to remove As of today <em>Equifax</em> refuses to properly <em>investigate</em> the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.218757,"4727407"]},{"_index":"complaint-public-v1","_id":"3520888","_score":13.154256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I started an investigation on a few errors on my report starting XX/XX/2019. The first initial letter asking the credit reporting agency ( Equifax ) to verify some accounts and the status of those accounts. Equifax responded that the items and information that was disputed was indeed verified. On XX/XX/2019 I sent a second letter responding to the letter asking for the method of verification and all parties they communicated with as part of the investigation. On XXXX XXXX they responded again stating these items were verified. They completely ignored the method of verification letter I sent.","date_sent_to_company":"2020-02-05T17:06:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"777XX","tags":null,"has_narrative":true,"complaint_id":"3520888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-02-05T16:41:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I started an <em>investigation</em> on a few errors on my report starting <em>XX/XX</em>/2019. The first initial letter asking the credit reporting agency ( <em>Equifax</em> ) to verify some accounts and the status of those accounts. <em>Equifax</em> <em>responded</em> that the items and information that was disputed was indeed verified. On <em>XX/XX</em>/2019 I sent a second letter <em>responding</em> to the letter asking for the method of verification and all parties they communicated with as part of the <em>investigation</em>."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.154256,"3520888"]},{"_index":"complaint-public-v1","_id":"2127157","_score":13.150173,"_source":{"product":"Credit reporting","complaint_what_happened":"Equifax is taking too long to conduct my investigation and respond. I requested an investigation XX/XX/XXXX, but they have not yet responded to me with the results.","date_sent_to_company":"2016-09-22T14:10:16.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"27587","tags":null,"has_narrative":true,"complaint_id":"2127157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-22T14:10:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["<em>Equifax</em> is taking too long to conduct my <em>investigation</em> and <em>respond</em>. I requested an <em>investigation</em> XX/XX/<em>XXXX</em>, but they have not yet <em>responded</em> to me with the results."],"issue":["Credit reporting company's <em>investigation</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[13.150173,"2127157"]},{"_index":"complaint-public-v1","_id":"2977071","_score":13.098715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.","date_sent_to_company":"2018-07-30T17:17:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"2977071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-30T17:11:35.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I sent an <em>investigation</em> request to <em>Equifax</em> and <em>XXXX</em> <em>XXXX</em>. They are supposed to <em>respond</em> with the <em>investigation</em> results within 30 days. Its been 45 days, and they have not <em>responded</em> yet."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.098715,"2977071"]},{"_index":"complaint-public-v1","_id":"4790639","_score":13.095464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX Retail Card Services mischief . \n\nOn XX/XX/2021 Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. \n\nOn XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. \n\nOn XX/XX/2021 Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. \n\nOn XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX \" ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. \n\nOn XX/XX/2021 Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. \n\nXX/XX/2021 + XX/XX/2021 Equifax represented internal review was completed that on XX/XX/2021 has been initiated. When the furnishing company provides their findings, we will send those results to you. \n\nOn XX/XX/2021 as Equifax had clearly demonstrated on XX/XX/2021 + XX/XX/2021 no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance.","date_sent_to_company":"2021-10-07T11:02:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"4790639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-07T10:58:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2021 complaint <em>XXXX</em> submitted to the CFPB requesting confirmation from <em>Equifax</em> that they will not be willing participants in the <em>XXXX</em> <em>XXXX</em> Retail Card Services mischief . \n\nOn <em>XX/XX</em>/2021 <em>Equifax</em> <em>responded</em> to complaint <em>XXXX</em> please be advised that an <em>investigation</em> with the furnisher of the information was completed and results were mailed to you."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.095464,"4790639"]},{"_index":"complaint-public-v1","_id":"3529933","_score":13.091006,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. \n\n\n\n\n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.","date_sent_to_company":"2020-02-12T22:19:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"55408","tags":null,"has_narrative":true,"complaint_id":"3529933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-02-12T22:11:16.000Z","state":"MN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company Name : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account Number : <em>XXXX</em>. The disputed item is not currently reporting on the <em>Equifax</em> credit file. Company Name : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Account Number : <em>XXXX</em>. The disputed item is not currently reporting on the <em>Equifax</em> credit file. Company Name : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account Number : <em>XXXX</em> The results of the <em>investigation</em> have been mailed to you."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.091006,"3529933"]},{"_index":"complaint-public-v1","_id":"6550253","_score":13.088244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. \n\nXXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXXXXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, Equifax, XXXX and XXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.","date_sent_to_company":"2023-02-09T17:32:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"6550253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-09T17:32:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Disputes sent <em>XX/XX</em>/2022 <em>XXXX</em> : Only response was from <em>Equifax</em>. XXXXXXXX <em>XXXX</em> XXXXXXXX failed to <em>respond</em> and complete a proper <em>investigation</em>. Disputes sent <em>XX/XX</em>/2022 <em>XXXX</em> : Only response was from <em>Equifax</em>. <em>XXXX</em> <em>XXXX</em> XXXXXXXX failed to <em>respond</em> and complete a proper <em>investigation</em>. Disputes sent <em>XX/XX</em>/2022 <em>XXXX</em> : All bureaus failed to <em>respond</em> and complete a proper <em>investigation</em>."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.088244,"6550253"]},{"_index":"complaint-public-v1","_id":"2560155","_score":13.076879,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.","date_sent_to_company":"2017-06-27T19:29:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27587","tags":null,"has_narrative":true,"complaint_id":"2560155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-27T19:18:24.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On <em>XXXX</em> <em>XXXX</em>, I sent a letter to <em>Equifax</em>, asking them to <em>investigate</em> errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my <em>investigation</em>. They are supposed to <em>respond</em> within one month. I have sent several follow-up letters, but <em>Equifax</em> simply will not <em>respond</em>."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.076879,"2560155"]},{"_index":"complaint-public-v1","_id":"14494729","_score":13.066953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : Equifax, Experian, and XXXX. Each dispute included all required documentation, including proof of identity and supporting evidence. \n\nAs of now, only XXXX  has responded to my dispute and completed an investigation. Equifax and Experian have not responded, acknowledged receipt, or confirmed that my disputes are being processed. I have mailed multiple copies of my disputes to both companies and have not received any updates or communication in return. \n\nThis failure to investigate or respond within the 30-day time frame is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that both Equifax and Experian investigate my disputes immediately and correct or remove the inaccurate information from my credit reports.","date_sent_to_company":"2025-07-07T07:35:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36867","tags":null,"has_narrative":true,"complaint_id":"14494729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-07T07:35:23.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : <em>Equifax</em>, Experian, and <em>XXXX</em>. Each dispute included all required documentation, including proof of identity and supporting evidence. \n\nAs of now, only <em>XXXX</em>  has <em>responded</em> to my dispute and completed an <em>investigation</em>. <em>Equifax</em> and Experian have not <em>responded</em>, acknowledged receipt, or confirmed that my disputes are being processed."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.066953,"14494729"]},{"_index":"complaint-public-v1","_id":"14493224","_score":13.066953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : Equifax, Experian, and XXXX. Each dispute included all required documentation, including proof of identity and supporting evidence. \n\nAs of now, only XXXX  has responded to my dispute and completed an investigation. Equifax and Experian have not responded, acknowledged receipt, or confirmed that my disputes are being processed. I have mailed multiple copies of my disputes to both companies and have not received any updates or communication in return. \n\nThis failure to investigate or respond within the 30-day time frame is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that both Equifax and Experian investigate my disputes immediately and correct or remove the inaccurate information from my credit reports.","date_sent_to_company":"2025-07-07T07:35:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36867","tags":null,"has_narrative":true,"complaint_id":"14493224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-07T07:25:53.000Z","state":"AL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : <em>Equifax</em>, Experian, and <em>XXXX</em>. Each dispute included all required documentation, including proof of identity and supporting evidence. \n\nAs of now, only <em>XXXX</em>  has <em>responded</em> to my dispute and completed an <em>investigation</em>. <em>Equifax</em> and Experian have not <em>responded</em>, acknowledged receipt, or confirmed that my disputes are being processed."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.066953,"14493224"]},{"_index":"complaint-public-v1","_id":"3208935","_score":12.98585,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I requested credit investigations on XX/XX/XXXX. Equifax and XXXX XXXX were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from Equifax and XXXX XXXX. XXXX  did respond in a timely manner.","date_sent_to_company":"2019-04-11T16:58:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27502","tags":null,"has_narrative":true,"complaint_id":"3208935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-11T16:58:38.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I requested credit <em>investigations</em> on XX/XX/<em>XXXX</em>. <em>Equifax</em> and <em>XXXX</em> <em>XXXX</em> were supposed to <em>respond</em> within 30 days but have not. Its been over 45 days, and I still haven't received anything from <em>Equifax</em> and <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em>  did <em>respond</em> in a timely manner."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[12.98585,"3208935"]},{"_index":"complaint-public-v1","_id":"11849929","_score":12.967021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal statement regarding EQUIFAX failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, EQUIFAX has failed to conduct a reasonable investigation and has continued reporting erroneous data. \n\nEQUIFAX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. \n\nDisputed Account ( XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX XXXX XXXXXXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), EQUIFAX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as EQUIFAX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. \n\nUnder the FCRA ( 15 U.S.C. 1681i ), EQUIFAX is required to : 1. Conduct a reasonable investigation of disputed information.\n\n2. Correct or delete any inaccurate, incomplete, or unverifiable information.\n\n3. Respond within 30 days of receiving a dispute. \n\n\n\nEQUIFAX ' failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If EQUIFAX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. \n\nI demand that EQUIFAX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX","date_sent_to_company":"2025-01-30T04:37:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76131","tags":null,"has_narrative":true,"complaint_id":"11849929","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-30T04:32:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am submitting this formal statement regarding <em>EQUIFAX</em> failure to properly <em>investigate</em> disputes in accordance with the Fair Credit Reporting Act ( FCRA ). 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