Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for continued violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, by reporting inaccurate personal information, erroneous account information, and an unauthorized credit inquiry all of which are causing me measurable harm. Despite my previous efforts to dispute these inaccuracies, XXXX  has failed to investigate, correct, or delete the false information as required by law. 
XXXX XXXX XXXX XXXX, GA XXXX Issue : Duplicate of previously mentioned false address.

Law Violated : FCRA 607 ( b ), 611 ( a ) Story : Despite prior disputes, this duplicate address remains. XXXX  failed to delete this after notice, showing poor reinvestigation process and non-compliance with FCRA.

Late Payments ( Inaccurate or Harmful ) FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), CARES Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Late payment reported during COVID hardship period.

Law Violated : CARES Act, FCRA 623 ( a ) ( 1 ) ( A ) Story : I was approved for hardship deferment under CARES Act. Reporting me late during this period is a direct violation. I have documentation proving eligibility. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2500.00} * * Issue : False late mark after payment system failure.

Law Violated : FCRA 611 ( a ) Story : Payment was made but not processed due to their system downtime. I submitted a dispute, but XXXX  continued to report it. This is harming my mortgage pre-approval. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3200.00} * * Issue : Recent account falsely flagged as late immediately after opening.

Law Violated : FCRA 607 ( b ) Story : There was no billing cycle completed when the late status appeared. This proves gross inaccuracy and lazy reporting. This kind of error has a significant impact on my newly established credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Late mark due to internal processing delay.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Story : I submitted a dispute through the creditor who acknowledged error but XXXX  didnt update it. They are violating their duty to maintain accurate records after notification. 
Department of Education / XXXX  ( XXXX XXXX to XXXX XXXX XXXX XXXX  ) Multiple Accounts * * Issue : Late payments reported during deferment/IDR/forbearance periods.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), CARES Act Story : All these student loans were in deferment or forbearanceespecially during the federal payment pause. Reporting late payments during these periods is unlawful under the CARES Act and FCRA. These entries have blocked my access to grants, refinancing, and educational loans. 
Conclusion : XXXX  has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by including multiple false addresses, reporting inaccurate or outdated payment information, and allowing unauthorized access to my credit file. I have disputed these entries multiple times with supporting documentation and have not received a fair or thorough reinvestigation.

I respectfully request the CFPB to : Compel Equifax to delete all incorrect addresses Remove or correct all disputed accounts with verified inaccuracies Remove all unauthorized inquiries Ensure compliance with
FCRA 607 ( b ), 611 ( a ), 623 ( a ), and the CARES Act Provide me with written notice of the actions taken

Company response to consumer: Closed with non-monetary relief