Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax Information Services LLC due to their continued and willful failure to correct multiple errors on my credit report, despite a formal dispute I submitted previously. This is now my second-round dispute, and Equifax has neither provided proper verification nor removed the disputed information, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Firstly, Equifax continues to report two inaccurate addresses that are not, and have never been, associated with me : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX These addresses are false and should never have appeared on my credit profile. Their inclusion constitutes a violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of reported data. 

Furthermore, Equifax continues to report the following unverified and damaging accounts on my credit report : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off I never received any documentation from either the original creditor or Equifax validating this debt. Under FCRA 611 ( a ) and FDCPA 809 ( b ), any account that can not be verified must be deleted. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Despite disputing this item, no original signed agreement or validation was provided. Equifax continues to report it, violating my rights under FCRA 602 ( a ). 

XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments These late payments were reported during a financial hardship deferral, which had been formally arranged. Reporting them misrepresents my payment history and violates FCRA 605 ( b ).

XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off I have never received a notice of this debt nor any verification. This item remains on my report without any evidence, which violates FDCPA 809 ( b ) and FCRA 611 ( a ). 

XXXX XXXX XXXX Account # : XXXX * * Issue : Charge Off I have no recollection of this debt, and Equifax has failed to provide validation. This continued reporting violates FDCPA 809 ( b ). 

XXXX XXXX Account # : [ Likely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or similar per your previous list ] * * Issue : Collection I was never contacted regarding this debt and never received validation. Reporting this debt without validation violates FCRA 611 ( a ) and FDCPA 807 ( 8 ). 

In addition to these accounts, Equifax is also reporting the following unauthorized inquiry : XXXX XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized Hard Inquiry I never applied for credit with this company. This inquiry was made without my consent, in violation of FCRA 604 ( a ) ( 3 ), which requires a permissible purpose for any credit pull. 

Despite submitting a detailed dispute letter and requesting verification, Equifax failed to respond with any documents showing that I am legally responsible for these accounts or that the information is accurate. Their continued reporting of this unverified, false, and outdated information is damaging my credit reputation, causing denials of credit, and putting me at financial risk. 

Requested Resolution : I am requesting that the CFPB investigate and take regulatory action to ensure Equifax : Removes all inaccurate personal address information. 

Deletes all unverified and disputed accounts mentioned above. 

Removes the unauthorized inquiry from XXXX XXXX. 

Provides written confirmation of deletions. 

Issues penalties if appropriate for continued noncompliance. 

Please find enclosed my original dispute letter and a copy of the credit report showing the disputed entries. I trust the Consumer Financial Protection Bureau will take appropriate action to ensure Equifax complies with federal law and protects my rights as a consumer.

Company response to consumer: Closed with non-monetary relief