Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am submitting this formal complaint against Equifax for their ongoing failure to correct or remove inaccurate, unverifiable, and misleading information from my credit report. Despite initiating prior disputes, Equifax has not provided the documentation required under the Fair Credit Reporting Act ( FCRA ) and continues to report information that is causing serious harm to my creditworthiness. These actions are in violation of FCRA Sections 602A, 607 ( b ), 609 ( a ), and 611. 

Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address and should not be included in my file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is also inaccurate and unrelated to my personal records. 
Violation : Under FCRA Sections 602A and 607 ( b ), Equifax is required to follow procedures that ensure maximum possible accuracy of consumer identifying information. Continuing to report false personal information constitutes a violation of these provisions. 

Disputed Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This mortgage account, opened on XX/XX/XXXX with a {$240000.00} balance, reflects late payments that have not been validated. I have requested documentation including payment records, but Equifax has failed to respond with proper proof. 

XXXX XXXX XXXX XXXXXXXX XXXX Despite showing a {$0.00} balance, this account reports late payments, which is misleading and XXXX be outdated. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A charge-off account with a {$2400.00} balance. Equifax has not provided original documentation to support the charge-off, despite multiple disputes. 

XXXX XXXX XXXX XXXX XXXX  This account shows a {$0.00} balance but is still reporting late payments. This appears to be outdated or inaccurate data that must be verified or deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This installment account has a {$0.00} balance and is still reporting derogatory late payments. No validation has been provided to support these entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account reflects late payments on a {$29000.00} balance, and no proof has been provided to justify the delinquencies. 

XXXX XXXX XXXX XXXXXXXX XXXX  This account is reported as a charge-off with a {$0.00} balance. This is contradictory and calls the reporting accuracy into question. 
Violation : Failure to validate and reinvestigate disputed items as required under FCRA Sections 609 ( a ) and 611. Equifax continues to report these negative accounts without proper verification, which is a breach of its legal obligations.

Unauthorized Inquiry : XXXX XX/XX/XXXX This hard inquiry was made without my knowledge or consent. Under FCRA Section 604, consumer reporting agencies may only allow access to a credit report with a consumers prior authorization. Equifax has not provided any documentation showing this inquiry was authorized.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a full investigation into Equifaxs violations of FCRA and hold them accountable. I ask that all the inaccurate, unverifiable, and unauthorized information listed above be permanently removed from my credit file and that I receive written confirmation once this has been completed.

Equifaxs non-compliance is directly impacting my financial health and ability to access essential credit-related services. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief