Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
This is my first formal complaint against Equifax, filed after repeated failed attempts to correct inaccurate, unverified, and damaging information appearing on my credit report. Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) despite my legitimate disputes and document submissions. 

I am requesting immediate intervention from the Consumer Financial Protection Bureau ( CFPB ), as Equifax is in violation of the following federal laws : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct proper reinvestigation 15 U.S.C. 1681b ( f ) Unauthorized credit inquiries 15 U.S.C. 1681c ( a ) Reporting outdated or duplicate negative items Personal Statement : As someone working hard to rebuild my financial health, I find it deeply troubling that Equifax continues to report multiple errors, unverified accounts, duplicate collections, and unauthorized hard inquiries on my credit file. These inaccuracies are unfairly impacting my credit score, limiting my ability to qualify for loans, rent a home, or even apply for jobs.

I have provided Equifax with disputes and identity verification documents, yet no real investigation occurredno responses, no proof of validation, and no removals of incorrect data. These actions are not only irresponsiblethey are illegal under federal consumer protection laws.

Itemized Dispute Summary : Incorrect Addresses ( Violation of 1681e ( b ) ) : The following addresses are falsely reported as associated with me. They are factually incorrect and must be deleted : XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXXXXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Late Payment Accounts ( Violation of 1681e ( b ) & 1681i ) : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports late payments that were never made ; not properly verified. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment status inaccurate ; no supporting documentation received. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account is over 7 years old and should be removed as obsolete. 

XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date and amount discrepancies ; continues reporting after dispute. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shows late payments I do not acknowledge. No verification results were provided. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  High balance with reported late payments I do not recognize ; must be verified. 

Charge-Off Accounts ( Violation of 1681c & 1681i ) : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Twice ) Appears twice with different balances ( {$1000.00} and {$1000.00} ), which is misleading and unlawful. 

XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off status not verified. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance reporting inconsistent ; verification not completed. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a charge-off despite prior dispute submission. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No proof of delinquency ; should have been removed. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history and balance accuracy disputed. 

XXXX  # XXXX Marked as charge-off with no proof of creditor assignment or original debt. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX No evidence of original creditor or ownership ; continues to report despite lack of validation. 

Collections ( Violation of 1681e ( b ), 1681i ) : These accounts are reported multiple times with different balances, violating FCRA by duplicating derogatory reporting and failing to verify : XXXX  # XXXXXXXX XXXX Reported three times with balances : {$960.00}, {$1500.00}, and {$1600.00} XXXX  # XXXX * Inconsistent data and no original creditor validation provided These items were disputed and Equifax failed to provide any confirmation of creditor ownership, chain of assignment, or original contracts. 

Unauthorized Hard Inquiries ( Violation of 1681b ( f ) ) : These inquiries appeared on my report without my knowledge, consent, or any initiated credit application : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have negatively impacted my credit score and were made without a permissible purpose under 1681b ( f ).

Requested Resolution : I request the CFPB to investigate Equifaxs reporting and enforce the following actions : Immediate deletion of all incorrect addresses Removal of all unverified and duplicate charge-off and collection accounts Deletion of all unauthorized inquiries Written confirmation from Equifax stating all updates and corrections made Compliance with 1681i ( a ) ( 5 ) ( A ) If any account or item is not verified within 30 days, it must be deleted Equifax must conduct a full reinvestigation with documentation from the original creditors or debt collectors. Anything unverifiable must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief