Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and consumer protection principles, due to the reporting of inaccurate personal information, unlawful inquiries, and erroneous account data on my credit report.

1. Inaccurate and Fraudulent Address Reporting Equifax is reporting addresses that do not belong to me, which is a clear violation of the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] that mandates credit reporting agencies to maintain maximum possible accuracy. 
The following addresses are false and must be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this location. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This is also not associated with me in any way.

2. Inaccurate Account Reporting & Violations of FCRA Below is a list of accounts reported inaccurately, some with late payments, charge-offs, or collections, many of which are either not mine, misreported, or contain serious reporting errors : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$300.00} XXXX XXXX Issue : Reporting of late payment that is not valid. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; failure to ensure accuracy before reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$470.00} * * Issue : Late payments incorrectly reported. 
Violation : FCRA 623 ( b ) ; no proper reinvestigation upon dispute. 
XXXX XXXX XXXX Account # : XXXX | Opened : XX/XX/XXXX | Balance : {$250.00} * * Issue : Collection account with no debt validation. 
Violation : FDCPA 809 ( 15 USC 1692g ) ; no proof of debt. 
XXXX XXXX XXXX Account # : XXXX | Opened : XX/XX/XXXX | Balance : {$620.00} * * Issue : Inaccurate collection listing, no proper validation. 
Violation : FDCPA and FCRA false reporting without verification. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1200.00} * * Issue : This collection was never authorized or verified. 
Violation : FDCPA 807 ( 8 ) ; misleading representation. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$170.00} * * Issue : Erroneous collection ; no written notification received. 
Violation : FDCPA 809 ; FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$120.00} * * Issue : Inaccurate payment history. 
Violation : FCRA 623 ( a ) ( 1 ) ; failure to ensure accuracy. 
POST OFFICE ECU Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$2500.00} * * Issue : Charge-off listed without sufficient proof or detail. 
Violation : FCRA 609 ; right to full disclosure not honored. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$2100.00} * * Issue : Reported late payments which are not valid. 
Violation : FCRA 623 ; failure to correct after dispute. 
XXXX XXXXXXXX XXXX ( XXXX Entries ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$2500.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$10000.00} Issue : Late payment history inaccurately reported. 
Violation : FCRA 607 ( b ) ; no investigation of reporting accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$15000.00} * * Issue : Severe delinquencies reported without factual basis. 
Violation : FCRA 611 ; reinvestigation not conducted fairly.

3. Unwarranted & Unauthorized Hard Inquiries Equifax has reported multiple hard inquiries without permissible purpose or my authorization in violation of FCRA 604 ( a ) ( 3 ) : Creditor Name Inquiry Date 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 XXXXXX/XX/XXXX I never applied for credit with these entities. These inquiries were made without a permissible purpose, and are causing unjust harm to my credit score. 
Summary of Violations : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) Failure to properly reinvestigate disputed items.

FCRA 604 ( a ) ( 3 ) Inquiries without permissible purpose.

FDCPA 809 ( a ) Collection accounts reported without debt validation.

FCRA 623 Furnishing inaccurate information and failing to correct it.

Resolution Requested : I respectfully request the CFPB to : 1. Direct Equifax to delete the incorrect addresses from my credit file.

2. Remove all inaccurate, unverifiable, or unauthorized account information and inquiries.

3. Provide evidence of verification for each account, as required under FCRA 609.

4. Ensure a full reinvestigation and correction or deletion of all the disputed data.

5. Compensate for any damages incurred due to negligence and inaccurate reporting, if applicable. 
Thank you for your time and assistance in resolving this matter. I request urgent review and expect prompt action under FCRA timelines.

Company response to consumer: Closed with non-monetary relief