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: TX

Complaint narrative:
I am writing to file a formal complaint against equifax for reporting inaccurate personal information, including multiple wrong addresses, erroneous account data, and unauthorized hard inquiries, all of which have severely impacted my credit profile and caused financial and emotional harm. Despite previous efforts to resolve these issues, XXXX  has failed to correct them. 
Wrong Addresses Reported by XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I never held this XXXX XXXX XXXX 
Law Violated : FCRA 1681c Explanation : XXXX  is reporting outdated or incorrect personal identifiers which I never used, violating my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect abbreviation of already incorrect address. 
Law Violated : FCRA 602 Explanation : XXXX system is not filtering or verifying variations of invalid data, showing systemic inaccuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Repeated false address.

Law Violated : FCRA 1681e Explanation : The repetition of wrong addresses suggests failure in internal controls and causes account mismatches.

Accounts with Inaccurate/Negative Information XXXX XXXX  ( Account # : XXXX XXXX XXXX  ) * * Issue : Reported with late payments. 
Law Violated : FCRA 607 ( b ) ; 15 U.S.C. 1681s-2 Explanation : This account shows incorrect late payments that I have already disputed. No sufficient validation was provided. This has unjustly lowered my score and harmed my credibility with lenders. 
XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) * * Issue : Late payments falsely reported. 
Law Violated : FCRA 1681s-2 ( a ) ; FDCPA Explanation : I was impacted by financial hardship during COVID-19 and was under a payment accommodation. Reporting these payments as late is both unfair and harmful. 
XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Issue : Same account, reported again with errors.

Law Violated : FCRA 602, 607 Explanation : This duplicate reporting is damaging and misleading. It shows double the negative impact for one account. 
XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX ) * * Issue : Charged-off status inaccurately reported.

Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 8 ) Explanation : I never received adequate communication about this charge-off. I was actively making payments. This account should not be in default status. 
XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX ) * * Issue : Marked late without proper notice. Law Violated : FCRA 623 ( a ) ( 1 ) ; 1681s-2 Explanation : I attempted to cure this delinquency but was met with no response or clarity. XXXX  still reported it late, even while under dispute
. 
XXXX XXXX XXXXXXXX ( Account # : XXXX XXXX XXXX  ) * * Issue : Collection not validated.

Law Violated : FDCPA 809 ( b ) ; FCRA 611 Explanation : I requested verification and received none. The account should not be reported until its validated by the original creditor. 
XXXX XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX  ) * * Issue : Duplicate collections for same alleged debt.

Law Violated : FCRA 607 ( b ) ; FDCPA 807 ( 2 ) ( A ) Explanation : XXXX  is listing the same debt multiple times, inflating my debt-to-income ratio and damaging my credit profile. 
XXXX XXXX XXXXXXXX ( Account # : XXXX XXXX XXXX  ) * * Issue : Duplicate entry again.

Law Violated : Same as above.

Explanation : This shows willful negligence to resolve disputed items. I am being unfairly penalized multiple times.

Unauthorized/Improper Inquiries XXXX XXXX  ( Inquiry Date : XX/XX/year> ) Issue : Hard inquiry without consent.

Law Violated : FCRA 604 ( a ) ( 3 ) Explanation : I never applied for credit on this date. This unauthorized inquiry is a direct violation of my consumer rights and should be removed.

Summary : I have suffered great harm including being denied credit, high interest rates, emotional distress, and reputational damage due to XXXX persistent failure to maintain accurate, fair, and verified consumer records. I demand immediate action from the CFPB to investigate XXXX XXXX  misconduct and compel them to : Remove all inaccurate personal addresses Delete or correct the above-listed accounts Remove unauthorized inquiries Provide written confirmation once these corrections are made

Company response to consumer: Closed with non-monetary relief