EQUIFAX, INC.


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"Products" offered by EQUIFAX, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - VA mortgage
Other financial service - Refund anticipation check
Payday loan, title loan, or personal loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - Gift or merchant card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 8184086

Date Received: 2024-01-19

Issue: Problem with a company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Consumer Complaint: As stipulated by 1666b, it is essential to promptly eliminate these late payment remarks.

Company Response:

State: IL

Zip: 60440

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8184079

Date Received: 2024-01-19

Issue: Problem with a company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Consumer Complaint: Equifax, XXXX, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.

Company Response:

State: GA

Zip: 30281

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8184076

Date Received: 2024-01-19

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. My disputes pertain to inaccurate information present on all three of my credit reports, namely from Equifax, XXXX, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. Sincerely, XXXX XXXX

Company Response:

State: PA

Zip: 19143

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8184036

Date Received: 2024-01-19

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: i'am a victim of identity theft. please remove these items.

Company Response:

State: PA

Zip: 19154

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8184003

Date Received: 2024-01-19

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company Response:

State: FL

Zip: 32818

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8184002

Date Received: 2024-01-19

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent. XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company Response:

State: DE

Zip: 198XX

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8183966

Date Received: 2024-01-19

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company Response:

State: NV

Zip: 89011

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8183866

Date Received: 2024-01-19

Issue: Incorrect information on your report

Subissue: Personal information incorrect

Consumer Complaint: I reviewed my credit report and identified two addresses that do not belong to me.

Company Response:

State: AL

Zip: 352XX

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8183852

Date Received: 2024-01-19

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company Response:

State: NY

Zip: 11419

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8183825

Date Received: 2024-01-19

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company Response:

State: CA

Zip: 92571

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.