Consumer complaint received 2025-11-06 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 complaint personally to the Consumer Financial Protection Bureau regarding Equifax Information Services LLC for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my previous disputes. Despite multiple submissions and requests for proper reinvestigation, Equifax continues to report false, inaccurate, and unverified information on my credit report. I am the direct consumer, and this dispute is being submitted by me personally, not through any third party. Equifax has ignored my prior notices and continues to verify items without providing documentation or proof of accuracy, in clear violation of FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 

My credit file still reflects false and inaccurate personal information, including two addresses that have no connection to me : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX I have never resided or received mail at these locations, and Equifaxs failure to delete them after multiple disputes demonstrates noncompliance with the FCRAs requirement for maximum possible accuracy under 607 ( b ). 

In addition to these inaccurate addresses, several unverified and unauthorized accounts remain on my report. The account XXXX XXXX XXXX  *, opened on XX/XX/XXXX with a balance of {$1100.00}, is being reported as a charge-off even though I have no knowledge of this account and never authorized or opened it. Another charge-off, XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, is also being reported incorrectly and remains unverified. Equifax has not produced any supporting documentation or contract showing that these accounts belong to me, violating FCRA 611 ( a ) which requires a reasonable reinvestigation. 

My credit report also contains multiple false and unauthorized collection and charge-off accounts. XXXX XXXX XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX with a balance of {$730.00}, is being reported as a collection even though I have never received any validation notice, statement, or communication from XXXX XXXX. XXXX XXXXXXXX, opened on XX/XX/XXXX with a balance of {$1500.00}, is being reported as a charge-off account that I do not recognize or own. Additionally, XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$480.00}, is being reported as another collection account that I have no knowledge of. These accounts are completely unverified, unauthorized, and have been previously disputed, yet Equifax continues to report them as valid without any evidence or documentation. This ongoing reporting of unverifiable data violates the FCRA, specifically 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

My credit file also includes a series of unauthorized inquiries that I did not approve or initiate. These include inquiries from 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 I have never applied for credit with these companies, nor have I given any authorization for them to access my credit report. These inquiries were made without permissible purpose and therefore violate FCRA 604 ( a ). 

Equifax has repeatedly verified these items after prior disputes without providing any evidence, records, or documentation from the furnishers proving their accuracy. This demonstrates that no reasonable reinvestigation has been conducted as required by law. The repeated verification of unverified items constitutes willful noncompliance under FCRA 616 and 617, which hold Equifax liable for actual, statutory, and punitive damages for continuing to report false and damaging information after receiving notice of dispute. 

I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into Equifaxs repeated failure to comply with the Fair Credit Reporting Act and its refusal to correct or delete false and unverified information. Equifaxs ongoing reporting of inaccurate addresses, unauthorized charge-offs, false collections, and improper inquiries is a clear violation of federal consumer protection laws. I am requesting that Equifax be required to conduct a lawful reinvestigation of each disputed item, provide documented proof of verification for each account, and delete all information that can not be fully substantiated as accurate, authorized, and complete. 

I am submitting this complaint in good faith to protect my rights as a consumer and to request enforcement of the Fair Credit Reporting Act. The inaccuracy and negligence demonstrated by Equifax have caused harm to my credit profile and reputation, and I am seeking full correction, deletion, and compliance as required by federal law.

Company response to consumer: Closed with non-monetary relief