Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am filing this formal complaint against Equifax for the continued reporting of inaccurate, unverifiable, and incomplete information on my credit report. Despite my repeated disputes, Equifax has failed to conduct reasonable investigations and continues to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681c.

I am requesting the CFPB to initiate a full investigation and hold Equifax accountable for the negligent mishandling of my credit file, specifically regarding : Reporting multiple inaccurate addresses Failure to correct charge-offs, collections, and late payments Continuing to furnish obsolete or unverifiable data Ignoring my right to fair, accurate, and substantiated credit reporting Incorrect Addresses Reported ( FCRA 1681e ( b ), 1681i ) These addresses are not associated with me and are reported inaccurately. I never lived at these locations, and they are severely damaging my credit file and associating me with debts that are not mine : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : These addresses are inaccurate, unverifiable, and were never authorized to be associated with my credit file. 
Law Violated : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Requested Action : Immediate removal of all incorrect addresses.

Disputed Accounts with Specific Issues Below are the accounts reported with false, outdated, or unverifiable information. Each is outlined with its issue, applicable law, and a brief explanation. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$8100.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Reporting as a charge-off, though I never had any contract with this company. 
Law Violated : FCRA 1681i ( a ) Duty to reinvestigate disputed information Explanation : This account is fraudulent and should be removed.

XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$510.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Charge-off status inaccurately reported. 
Law Violated : FCRA 1681e ( b ), 1681i Explanation : Account was closed in good standing. 
XXXX Acct : XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Incorrectly marked as charge-off without proper notice or validation. 
Law Violated : FCRA 1681i ( a ), FDCPA 809 ( b ) Explanation : This account was disputed but not corrected or validated. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$490.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Reported as a charge-off after disputed billing errors. 
Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Explanation : Creditor failed to provide sufficient proof of debt. 
XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$580.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Multiple late payments reported in error. 
Law Violated : FCRA 1681c ( a ), 1681e ( b ) Explanation : I was in active dispute with the lender ; this should not have been reported. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} | Date Opened : XX/XX/XXXX * * Issue : Late payment reported before due date. 
Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Explanation : This is inaccurate and damaging. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$520.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payment reported after auto-pay was active. 
Law Violated : FCRA 1681e ( b ) Explanation : Improper reporting.

DEPT OF ED/XXXX Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balances : {$2300.00} | {$3900.00} | {$1100.00} | Dates : XXXX Issue : Late payments reported despite forbearance/deferment. 
Law Violated : FCRA 1681c ( a ) ( 4 ), 1681e ( b ) Explanation : Misreporting violates my rights as a federal student loan borrower. 
XXXX XXXX Acct : XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Collection account reported without validation. 
Law Violated : FDCPA 809, FCRA 1681i Explanation : I requested validation ; it was never provided. 
XXXX XXXX XXXX Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$680.00} | {$64.00} | {$670.00} | {$670.00} | Dates : XXXX Issue : These collection accounts are unverifiable, unvalidated, and possibly re-aged. 
Law Violated : FDCPA 809 ( b ), FCRA 1681c, 1681e ( b ) Explanation : Debt buyer failed to show ownership or itemization. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$630.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Collection listing remains despite dispute and lack of validation. 
Law Violated : FCRA 1681i, FDCPA 809 ( b ) Explanation : No response to DV request. 
XXXX XXXX XXXX Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balances : {$1200.00} | {$2000.00} | Dates : XXXX Issue : Collection accounts reported post-statute of limitations for Texas. 
Law Violated : FCRA 1681c ( a ) ( 4 ), FDCPA 805 Explanation : These debts are time-barred and should not be reported. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry Law Violated : FCRA 1681b ( c ) Explanation : I never authorized this inquiry. It must be removed.

Relief Requested I respectfully request that the CFPB instruct Equifax to : 1. Immediately delete all inaccurate addresses from my credit report.

2. Remove or correct all disputed accounts listed above.

3. Provide documentation that supports any continued reporting.

4. Ensure full compliance with FCRA and FDCPA standards moving forward.

Conclusion Equifax has repeatedly failed to meet its obligations under the law, and I am suffering ongoing harm due to their negligence. I request that this complaint be thoroughly reviewed and necessary enforcement action taken.

Company response to consumer: Closed with non-monetary relief