Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple inaccurate and unverified entries that have not been corrected even after I filed disputes. These errors are causing harm to my credit profile, financial opportunities, and peace of mind. Equifax has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ), especially sections 607 ( b ) and 611 ( a ), which require that consumer credit reports contain only accurate, verified, and complete information.

Firstly, my report lists two addresses that are completely false and have never been associated with me in any way. The addresses XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX are not mine, and I have never lived at or used these addresses for any financial purpose. Their presence on my file indicates a potential mixed credit file or inaccurate data merge, which is a direct violation of FCRA 607 ( b ), which requires the maintenance of maximum possible accuracy. Despite disputing them previously, they remain on my file, unverified. 

The report also shows a mortgage account from XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$240000.00}, which is being reported with a late payment. I dispute this information entirely. I have paid my mortgage on time and have not received any notice or evidence from the lender that a payment was missed. Equifax has not provided any verified documentation from the creditor, such as payment statements or notices, to support this claim. This violates FCRA 611 ( a ), which requires Equifax to delete any information that can not be verified during a reinvestigation. 

The XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, is being reported as a charge-off with a balance of {$2400.00}. I was never properly notified of the charge-off or given the opportunity to resolve the matter. I believe this entry is incomplete and unfairly damaging. Equifax has failed to show proof that XXXX XXXX followed legal procedures in reporting this charge-off. Under FACTA 312 and FCRA 607 ( b ), this account must be verified with documentation or removed entirely. 

In addition, a XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$29000.00}, is being reported with a late payment. I strongly dispute this. I have never received any billing statement or late notice from XXXX XXXX, and my records show all payments were made on time. Equifax has not verified this entry with adequate documentation. Reporting a late payment without substantiating evidence is a clear violation of FCRA 1681e ( b ), which requires credit bureaus to implement procedures that assure maximum possible accuracy. 

There is also a XXXX XXXX account ending in XXXXXXXX XXXX, opened on XX/XX/XXXX, which shows a charge-off despite listing a {$0.00} balance. This account appears to be settled or closed, and the charge-off status is outdated or misleading. I have not received any verification from Equifax or the creditor justifying why a charge-off is still being reported on an account with no balance. As per FCRA 607 ( b ), incomplete or outdated derogatory information must be removed if it can not be verified. 

Finally, Equifax is reporting a collection account from XXXX XXXX XXXX, account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$130.00}. I have no knowledge of this debt. I was never contacted by XXXX, never received a validation notice, and I was not given the opportunity to dispute or resolve the debt before it was added to my credit report. This is a clear violation of FDCPA 809 ( b ), which requires debt collectors to notify consumers and validate debts before reporting. Since this debt has not been validated, Equifax is reporting it unlawfully.

I have already disputed these items directly with Equifax and provided enough information for them to conduct a reinvestigation, but no valid proof or documentation was returned. I received vague responses and no real effort to verify the accuracy of the data being reported. These ongoing inaccuracies have caused financial harm and emotional XXXX. I have been denied credit, paid higher interest rates, and lost trust in a system that is supposed to protect consumer data.

Company response to consumer: Closed with non-monetary relief