Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
I am submitting this formal complaint against Equifax for willfully and negligently reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( A ), Section 611 ( 15 U.S. Code 1681i ), and Section 607 ( b ). Despite multiple attempts to have these errors corrected, Equifax has failed in its duty to maintain maximum possible accuracy and conduct a reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX OH XXXX Wrong Address I have never lived at or been associated with this address. Reporting this address violates FCRA 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. This misinformation is damaging and leads to misidentification and potential fraud risk. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This address is also incorrect and has no legitimate connection to me. Reporting inaccurate address history violates FCRA 602 ( A ) and 607 ( b ), and I have previously notified Equifax about this without any successful correction. 
XXXX XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$2200.00} Charge Off This account has been inaccurately reported as charged off without proper validation or investigation. I requested proof of account ownership and validation under FCRA 611, but none was provided. Reporting a charged-off account without verification violates my rights and negatively affects my credit score and financial opportunities. 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$4500.00} Charge Off This account was wrongfully charged off and no verification or itemized validation was provided to justify this derogatory status. Equifax failed to investigate this dispute thoroughly in violation of FCRA 1681i ( a ) and continued to report the inaccurate status. 
XXXXXXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1500.00} Charge Off I was not notified properly about the delinquency status nor was I given the opportunity to validate the debt or dispute it accurately. This is in direct violation of FCRA 611 and 623 ( a ) ( 3 ). Equifax is reporting incorrect and outdated data, causing harm to my creditworthiness. 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$3700.00} Charge Off This account continues to be reported inaccurately without providing me an opportunity to verify the validity of the debt. I have repeatedly requested Equifax to investigate and delete or correct this item in compliance with FCRA 1681i, but it remains unresolved. 
XXXX Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$6900.00} Charge Off XXXX has failed to validate this account properly, and Equifax continues to report a derogatory status that is outdated and misleading. This is a violation of FCRA 611 and 607 ( b ) due to failure to maintain accurate and verifiable data. 
XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1200.00} Charge Off This account is being reported as a charge-off inaccurately. I have never received proper notice or validation of this debt. Continued reporting of this item without evidence violates FCRA 611 and Equifaxs duty to investigate disputes. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$4300.00} Collection This is a collection account reported without validating the original debt, which violates FCRA 809 of the FDCPA and 611 of the FCRA. I requested documentation of the original account and balance, but no verification was provided. Equifax failed to perform a reasonable investigation or delete unverifiable data.

I am requesting immediate action from the Consumer Financial Protection Bureau to investigate Equifaxs repeated failure to comply with the FCRA and to compel them to delete or correct the above inaccuracies. These errors have caused substantial damage to my credit score, emotional distress, and financial hardship. I request Equifax be instructed to permanently remove all inaccurate, unverifiable, and obsolete information listed in this complaint from my credit report.

Company response to consumer: Closed with non-monetary relief