Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against Equifax regarding multiple serious and negligent inaccuracies reported on my credit file, including but not limited to inaccurate charge-offs, late payments, and incorrect personal addresses, all of which are causing significant harm to my credit standing and personal life. Despite my attempts to resolve these issues with Equifax, they have failed to fulfill their obligations under federal laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). Below is a detailed breakdown of the disputed accounts and associated legal violations : XXXX XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$25000.00} Charge-Off * * This account is reported as a charge-off without proper validation or verification of the debt ownership or the original contract. I never received a debt validation notice under 15 U.S. Code 1692g ( b ), which is required by the FDCPA. Additionally, this account may have been re-aged in violation of 15 U.S. Code 1681c ( a ) ( 4 ), which prohibits outdated negative information. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$15000.00} Late Payment * * This account is reflecting late payments that are inaccurate and unverified. I have submitted disputes and Equifax has continued to report without conducting a proper reinvestigation as mandated by 15 U.S. Code 1681i ( a ). Continued reporting of unverified derogatory information is a direct violation of the FCRA. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX * * This charge-off account has been reported incorrectly and without notice. There was no proper notification or validation provided. XXXX failed to validate the debt before reporting as required under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 1692g. 
XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off * * This account is showing a charge-off even though the balance is {$0.00}. This is misleading, inaccurate, and a violation of 15 U.S. Code 1681e ( b ) failure to maintain maximum accuracy in reporting. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge-Off * * This XXXX account XXXX a charge-off despite lack of documentation and proper validation. Reporting without my consent or validation violates 15 U.S. Code 1681b and 1681s-2. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off * * This account is showing charge-off status even though the balance is reported as XXXX. This causes unnecessary negative impact and constitutes negligent reporting under FCRA 1681e ( b ). 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX * * This account is reported with charge-off despite being closed with {$0.00} balance. It is outdated, misleading, and should have been removed under FCRA 1681c ( a ) ( 4 ) - ( 5 ). 
XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge-Off * * I have repeatedly disputed this account. The continued reporting of unverified information violates 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation when a dispute is filed. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge-Off * * This account is reported with inaccurate dates and amounts. Equifax failed to verify the accuracy, violating 1681e ( b ) and 1681i. 
XXXXXXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off * * This account is outdated and was settled years ago. Continued reporting with charge-off status violates FCRA 1681c and constitutes misleading reporting. 
Incorrect Addresses Being Reported : 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 XXXXXXXX These addresses are either outdated or completely unrelated to me and my identity. Equifax is required under FCRA 1681e ( b ) to assure maximum possible accuracy. The reporting of false addresses can lead to identity confusion, fraud risk, and denial of financial opportunities.

Hard Inquiry Issues : Several hard inquiries have appeared on my report without my authorization or application for credit. This is a violation of FCRA 1681b ( c ) which states that a consumer reporting agency may only furnish a consumer report for specific permissible purposes. Unlawful inquiries are a breach of privacy and severely impact my credit score without cause.

Equifax has consistently failed to follow the procedures required by federal law to ensure the accuracy and integrity of the consumer information they report. Their negligence in correcting these errors has caused me emotional distress, financial hardship, and denial of credit. Under FCRA 1681n and 1681o, I reserve my right to pursue damages through civil litigation if these issues are not resolved promptly.

I am requesting the Consumer Financial Protection Bureau to investigate these violations by Equifax and ensure all inaccurate information, including accounts, addresses, and inquiries, are permanently removed from my credit report. I have exhausted all internal dispute mechanisms and now turn to the CFPB for fair relief under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief