Consumer complaint received 2025-07-08 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 filing this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy and by reporting unverifiable, inaccurate, and outdated information on my credit report despite multiple disputes and notices. The following items are currently being reported by Equifax and are causing me irreparable financial and emotional damage due to negligence, procedural failures, and lack of reinvestigation in accordance with federal law XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me at any point in my life. It is completely unfamiliar and incorrect. Reporting this false address constitutes a violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. By continuing to list this inaccurate address, Equifax has also violated Section 611 ( a ) by failing to conduct a reasonable reinvestigation upon dispute XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Wrong Address This address is also not associated with me in any legal or residential capacity. I have never lived at this location and it should have never been listed under my credit profile. This represents a willful inaccuracy under FCRA 607 ( b ) and a reinvestigation failure under 611 ( a ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address I have no association with this address, yet it is being reported under my credit file. This undermines the integrity of my report and contributes to credit denials and reputational damage. Equifaxs failure to verify and remove this address violates FCRA Sections 607 ( b ) and 611 ( a ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This California address is inaccurate and has never been my place of residence. Equifaxs continued reporting of this false address reflects a serious violation of the FCRAs accuracy and dispute resolution obligations under 607 ( b ) and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Charge Off This account is being inaccurately reported as charged off. I have not received any verification of the charge-off status, nor has Equifax conducted a proper reinvestigation after dispute. This violates FCRA Sections 611 ( a ) and 623 ( b ), and constitutes negligent and possibly willful reporting of unverified derogatory data XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Charge Off This item is being inaccurately reported as a charge off. The lender failed to validate the debt upon request, and Equifax has failed to remove it despite lack of documentation, in violation of FCRA Sections 611 and 623 XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Late Payment Late payments are being reported without accurate dates or proper verification. These delinquencies are severely harming my score and were never properly validated by the furnisher or Equifax, violating FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$35000.00} Charge Off This account was never charged off under my authorization and I never received any legal collection or repossession notice. No proof of debt has been provided. This item should have been removed under FCRA 611 ( a ) ( 5 ) following my dispute, and failure to do so reflects willful noncompliance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4000.00} Charge Off I did not receive any validation or billing statement confirming the accuracy of this debt. Equifax is reporting it without proof, violating FCRA 623 ( b ) and 607 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Charge Off This account is being incorrectly reported as charged off, but the lender was legally obligated to verify the debt under Section 609 of the FCRA. I requested this validation but received no response. Equifax failed to remove this inaccurate entry which constitutes a violation of Sections 611 and 623 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$500.00} Charge Off I have no recollection or supporting documents of this account being opened or charged off. Equifax has refused to furnish documentation or reinvestigate properly in violation of Sections 609 ( a ) ( 1 ) and 611 XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment This account reports late payments that I never missed. No proper documentation of payment history was provided by the furnisher. Equifax 's continued reporting of this false information violates Section 623 ( a ) ( 1 ) ( A ) and Section 611 of the FCRA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$12000.00} Late Payment These late payments are being reported without context or accuracy. The account was under dispute resolution and partial payment agreement at the time, which should not have triggered late payment reporting. FCRA 623 and 607 have been violated through lack of fairness and due process XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$990.00} Late Payment No legal notice or billing breakdown was provided before the late payment was reported. Equifax has not substantiated this item as required under FCRA Section 611 ( a ) ( 1 ) US DEPT ED XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$50.00} Charge Off This account is reported as charged off but was in deferment status due to COVID-19 forbearance, and therefore it should not reflect any derogatory mark. Reporting it as such constitutes not only an FCRA violation but also noncompliance with CARES Act guidance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$640.00} Collection This collection was never validated under Section 809 of the FDCPA. I requested verification and dispute under FCRA Section 611, but Equifax ignored both, violating multiple federal consumer protection laws I am a victim of continued inaccuracy, negligence, and unfair treatment. Equifaxs failures have prevented me from obtaining fair credit access, caused emotional distress, loss of credit opportunities, and financial hardship. I request that CFPB immediately investigate Equifax for systemic failure to comply with the FCRA, hold them accountable under applicable sections including 607 ( b ), 611, 623, and 609, and order the permanent deletion of the above accounts and addresses from my credit report.

I respectfully request this matter be escalated, and I demand immediate resolution, including deletion of inaccurate information and confirmation in writing of all updates.

Company response to consumer: Closed with non-monetary relief