Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am submitting this formal complaint against Equifax for reporting inaccurate, outdated, incomplete, and unverifiable information on my consumer credit file. Despite my previous attempts to dispute these accounts directly with Equifax, they failed to conduct a proper reinvestigation under 15 U.S. Code 1681i, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the Consumer Financial Protection Bureau to intervene and hold Equifax accountable for the following violations. 
Wrong Addresses Being Reported Without My Authorization or Residency Proof ( Violation of 15 U.S. Code 1681c outdated/inaccurate info reporting ) XXXX XXXX XXXX XXXX, TX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX Address XXXX : These addresses are not associated with me in any legal, residential, or financial capacity. They appear to be mixed file errors and must be removed immediately. 
Law Applied : FCRA 602 ( a ), 607 ( b ), and 609 ( c ) ( 1 ) ( A ) Failure to maintain accurate and complete information.

Accounts with Inaccurate Information and Reporting Violations TBOM/MILESTONE Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$540.00} Late Payment * * Issue : Report shows late payment inaccurately. I have not missed any payment and the reporting is unverifiable. 
Law Applied : FCRA 1681s-2 Furnishers of information must provide accurate data. 
XXXX XXXX XXXX  XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Charged Off * * Issue : This account was settled, yet Equifax continues to report it as charged off without updating the final status or XXXX balance. This causes substantial credit harm. 
Law Applied : FCRA 1681i Failure to reinvestigate and update inaccurate reporting.

Hard Inquiries Reported Without My Knowledge or Permissible Purpose ( Violation of FCRA 604 ) XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX  - PCE Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize or consent to any of these inquiries. These are unauthorized credit pulls, and each one represents a separate FCRA violation. 
Law Applied : FCRA 604 ( a ) ( 3 ) Permissible purposes of consumer reports Summary and Request for Action Equifax has violated multiple sections of the Fair Credit Reporting Act by reporting and continuing to report inaccurate personal information, unverifiable late payments, and unauthorized hard inquiries. Despite my disputes and efforts, these errors have not been corrected, resulting in financial and emotional harm including credit denials and higher interest rates. Equifax has failed to fulfill their duties under : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed information FCRA 1681c : Reporting obsolete and wrong information FCRA 604 : Reporting inquiries without permissible purpose I am requesting the Consumer Financial Protection Bureau to investigate these violations, require Equifax to : XXXX. Permanently delete all the wrong addresses listed above XXXX. Delete or correct inaccurate account and payment reporting XXXX. Remove all unauthorized inquiries XXXX. Provide a full and verifiable investigation report to me

Company response to consumer: Closed with non-monetary relief