Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
I am filing this complaint against Equifax for their failure to ensure the accuracy and completeness of my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i. Despite my repeated attempts to resolve these issues, Equifax has failed to properly investigate or correct inaccurate, outdated, and unverifiable information, which continues to harm my creditworthiness, deny me access to credit, and cause emotional and financial distress. Below are the inaccurate accounts and reporting issues I am disputing with supporting facts, applicable laws, and background. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$570.00} Date Opened : XX/XX/XXXX This account is inaccurately reporting a late payment. I have never received a valid notice of delinquency, and no proper investigation has been conducted to verify the legitimacy of this late reporting. Under 15 U.S.C 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting a late payment without verifying it violates that standard. Additionally, under 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation once I have submitted a dispute, which they failed to do in this instance. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX This account shows late payments that I have already disputed, yet Equifax continues to report them without verifying or providing documentation from the original creditor. This is a clear violation of 15 U.S.C 1681i and 15 U.S.C 1681e ( b ). The continued reporting of unverified late payments severely harms my creditworthiness and has led to denials in essential credit applications. My right to a fair investigation has been disregarded by Equifax. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX This account is marked as a charge off, but I have never received valid notice of such action, nor have I been given the opportunity to validate or resolve the debt. Equifax has failed to provide any proof of liability or documentation to support this derogatory entry despite disputes. Under 15 U.S.C 1681i, Equifax has a duty to delete or correct inaccurate or unverified information after a reasonable investigation, which they have neglected to do. This charge-off entry is having an unjust and disproportionate impact on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$720.00} Date Opened : XX/XX/XXXX Late payments are being reported for this account without my acknowledgment or validation. I never received any mailed notices, nor have I been given a fair opportunity to dispute the basis of delinquency with the data furnisher. Equifax failed to perform a reasonable reinvestigation and instead continues to publish inaccurate information in violation of 15 U.S.C 1681e ( b ). This is a breach of their duty to maintain accuracy and fairness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$4800.00} Date Opened : XX/XX/XXXX This account is inaccurately listed as a charge off. I have never defaulted on this debt, and there has been no legally sufficient notice provided to validate the charge-off. I previously disputed this account, but Equifax ignored its duty to investigate under 15 U.S.C 1681i. Reporting a charge-off that can not be substantiated and is disputed by the consumer also raises concerns under 15 U.S.C 1681s-2 ( b ), which imposes obligations on furnishers when a dispute is communicated via a credit bureau. Equifax has failed to compel proper validation or remove the account. 
In addition to the inaccurate reporting of the above accounts, Equifax has reported numerous addresses and inquiries on my credit report that are not associated with me, which also represents a serious breach of the FCRAs accuracy and investigation requirements. These include : Addresses that do not belong to me, which are damaging my credit report and associating me with fraudulent or inaccurate data. 
Inquiries that I did not authorize, which violate 15 U.S.C 1681b ( a ) as credit reporting agencies may only furnish consumer reports under specific permissible purposes. Equifaxs failure to verify permissible purpose constitutes a legal violation.

The continued inclusion of incorrect addresses, unauthorized hard inquiries, and unverified negative accounts shows a pattern of systemic negligence by Equifax. These inaccurate entries are damaging my credit score, affecting my ability to secure housing, employment, and essential financial services, and causing me undue stress and hardship. I have spent countless hours attempting to resolve these issues through disputes with Equifax directly, yet they have failed to provide documentation, resolve errors, or respond adequately, in clear violation of the consumer protection laws. 
I request that the CFPB investigate Equifaxs failure to follow FCRA requirements, compel them to conduct proper reinvestigations, and remove all inaccurate and unverifiable information from my credit report. I also request the deletion of all disputed negative accounts, unauthorized inquiries, and incorrect addresses. I further request that Equifax be held accountable for their systemic failures and disregard of federal law and consumer rights. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief