Consumer complaint received 2025-11-05 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:
b'I am filing this formal complaint against Equifax Information Services LLC for continuing to report false, inaccurate, and unverified information on my credit report in direct violation of the Fair Credit Reporting Act (FCRA). Equifax has failed to properly investigate, verify, or correct multiple inaccurate and fraudulent items that I have previously disputed. These errors include false late payment histories, unrecognized collection and charge-off accounts, unauthorized inquiries, and incorrect personal addresses. The presence of these items has caused significant harm to my credit profile and financial reputation.\n\nEquifax is reporting numerous accounts with false late payments that are entirely inaccurate and unverified. The following accounts are being reported falsely: XXXX XXXX  Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX XXXX  Date Opened XXXX Balance $XXXX XXXX XXXX XXXX Date Opened XXXX  Balance $XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX  Balance $XXXX XXXX XXXX  Date Opened XXXX  Balance $XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX  Balance $XXXX XXXX XXXX  Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX  Balance $XXXX XXXX XXXX multiple accounts opened between XXXX  and XXXX  with balances ranging from XXXX to $XXXX; XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX Date Opened XXXX Balance $XXXX XXXX XXXX  Date Opened XXXX Balance $XXXX.\n\nThese accounts are being reported as having late payments, which is completely false. I have never made any late payments on any of these accounts, and Equifax has failed to obtain valid documentation proving the accuracy of these claims. Reporting this type of false information is a direct violation of FCRA 607(b) and 623(a)(1)(A), as it reflects a willful disregard for accuracy requirements and has caused significant damage to my creditworthiness.\n\nEquifax is also reporting multiple collection and charge-off accounts that I have no knowledge of or connection to. These accounts include XXXX XXXX Date Opened XXXX Balance $XXXX  Charge Off; XXXX XXXX  Date Opened XXXX Balance $XXXX Collection; XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; XXXX XXXX Date Opened XXXX Balance $XXXX Collection; XXXX XXXX XXXX XXXX  Date Opened XXXX Balance $XXXX Collection; XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; XXXX XXXX Date Opened XXXX Balance $XXXX  Collection; and XXXX XXXX XXXX XXXX Date Opened XXXX Balance $XXXX Collection.\n\nI have absolutely no knowledge, relationship, or authorization related to any of these collection or charge-off accounts. They are either fraudulent or completely unverified. Equifax has failed to obtain valid evidence of these debts or to validate their ownership as required by FCRA 611(a). The continued reporting of such unverifiable and damaging information demonstrates gross negligence and disregard for my consumer rights.\n\nAdditionally, Equifax is reporting several unauthorized inquiries that were never initiated or approved by me. These inquiries include XXXX on XXXX, XXXX  on XXXX, and XXXX  on XXXX. These inquiries were made without any permissible purpose and violate FCRA 604(a)(3). Their continued presence on my file, despite being disputed, indicates a failure by Equifax to conduct a lawful reinvestigation.\n\nEquifax is also maintaining inaccurate personal address information that does not belong to me, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are incorrect, outdated, and unrelated to me, and their continued presence violates FCRA 607(b), which mandates that credit reporting agencies maintain only accurate and up-to-date identifying information.\n\nEquifaxs repeated failure to verify or correct these inaccuracies represents a serious pattern of noncompliance and negligence under the Fair Credit Reporting Act. This unlawful reporting has caused me ongoing harm, including denials of credit, higher interest rates, and damage to my financial reputation. Equifaxs inaction and refusal to remove unverifiable items are unacceptable and constitute a violation of my federal consumer rights.'

Company response to consumer: Closed with non-monetary relief