Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX you should not be reporting anything about a re-investigation Your statement on the consumer credit file should appear like this consumer dispute meets FCRA requirements is what the law tells you what you should and must report plain and simple Only the credit bureaus and only equifax per their website should place anything about a Re-investigation and you know this. After speaking with an attorney she tells me the reason the YOU and YES I USE YOU is that some credit scale will over look the dispute marks and thats your way of not enter the remarks. You didnt do anything and thats why you are guilty as here is what I found to be true. Equifax does it self if you did do this why didnt you do this with XXXX and XXXX I tell you why is Equifax is the only bureau thats enter what you claimed you deleted. I dont want to sue you but this one wouldnt be hard at all to get you!! Remove the 1 account on Equifax And remove 2 accounts from XXXX and XXXX today When you file a credit dispute with XXXX, XXXX, -4.98 % the agency reaches out to the entity that provided the information. Typically, thats the creditor. 

The business that provided the information in question has 30-45 days from the date you submitted your request to respond back. In some states, the time limit may be shorter. 

When XXXX receives a response, it notifies you of the results of the investigation. If it doesnt get a response in the allotted time, XXXX will correct the disputed information as you requested or delete the disputed information. During the investigation process, XXXX does not add a comment, note or any other indication of a dispute on your credit report. 

XXXX dispute Fuel for Investing Smarter Make the smartest investment decisions with access to XXXX XXXX in-depth analysis and unrivaled market predictions -- all conveniently accessed on XXXX. Limited-Time Offer : {$12.00} for 12 Weeks. 
LEARN MORE XXXX XXXX, -2.49 % also follows up with the entity that reported the information. Based on the information you provided and the information provided by the creditor, the bureau makes a decision about the dispute. 


Advertisement How long does a dispute take with XXXX? XXXX usually finishes an investigation and provides you the results about 30 days from the receipt of your dispute. But the company recommends preparing to wait for up to 45 days. 

XXXX does not note your credit file when an investigation is in process. It will change the disputed information as you requested if the creditor does not respond in a timely manner. 

Equifax disputes Equifax EFX, -3.03 % notifies you of the results of a dispute within 30 days. On average, disputes are resolved within 10 days. 

Unlike the other two agencies, Equifax does indication an item is under dispute on your credit report during the investigation. 

Also see : Equifax says it will work with lenders, creditors to help reduce the impact of the coronavirus crisis on U.S. credit reports

Company response to consumer: Closed with explanation