Consumer complaint received 2025-07-01 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:
I am submitting this complaint against Equifax for their continued failure to maintain accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i ( Dispute reinvestigations ), 15 U.S. Code 1681e ( b ) ( Maximum possible accuracy ), and 15 U.S. Code 1681c ( Obsolete information ). Despite multiple attempts to dispute and correct inaccurate data, Equifax continues to report erroneous information across accounts, inquiries, and addresses, which is severely harming my credit profile and financial stability. Below is a detailed listing of the problematic accounts and inquiries along with their issues and the relevant laws violated. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment * * This account reflects multiple late payments that I dispute. I was impacted by economic hardship due to XXXX, and these loans were supposed to be in forbearance under CARES Act protections. The continued reporting of late payments during protected periods is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e ( b ) as Equifax failed to ensure the maximum accuracy of this account reporting. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payment * * This is a duplicate reporting of the above account under a slightly different balance but same account number, which creates confusion and a misleading impression of multiple delinquent student loans. This is a violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which requires credit bureaus to promptly delete or correct inaccurate, incomplete, or unverifiable information. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$470.00} Late Payment * * This account was disputed due to inaccurate payment history. I consistently paid this account on time and submitted proof during my previous dispute, yet Equifax failed to conduct a reasonable investigation as required by 15 U.S. Code 1681i. Continued reporting of inaccurate payment history is damaging and unfair. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$630.00} Late Payment * * I notified Equifax that this account contains incorrect delinquency information and is being reported without proper verification or validation of the debt. Reporting a disputed debt without proper investigation or not marking it as disputed under 15 U.S. Code 1681s-2 ( a ) ( 3 ) is a violation of my rights. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$540.00} Late Payment * * This account reports late payment without providing me proper notification or grace period as per credit union policy. I was never contacted about any missed payments. Equifaxs reporting of this without verifying the legitimacy of the information violates 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ). 
XXXX XXXX XXXX Date : XX/XX/XXXX This hard inquiry was done without my authorization or permissible purpose. I never applied for any auto loan from XXXX on this date, making it a violation of 15 U.S. Code 1681b ( c ) which outlines the permissible purposes for consumer credit reports. Equifax should not allow inquiries that lack consumer consent. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was unauthorized. I did not initiate any credit transaction with XXXX XXXX XXXX on this date. Equifax failed to safeguard my report and allowed access without permissible purpose which is in violation of 15 U.S. Code 1681b ( a ). 
XXXX XXXX Date : XX/XX/XXXX I never authorized this hard inquiry and it is causing unnecessary damage to my credit score. Equifax 's duty under 15 U.S. Code 1681e ( a ) includes maintaining procedures to prevent unauthorized access, which was not followed here. 
XXXX XXXX Date : XX/XX/XXXX Another unauthorized inquiry from XXXX XXXX that I did not consent to. Repeated unauthorized access suggests Equifax is not maintaining safeguards for the security and accuracy of consumer credit information, violating 15 U.S. Code 1681b and 1681e ( a ).

Incorrect Addresses Reporting on My Credit File Equifax is also reporting several incorrect and outdated addresses on my credit report which are not associated with me in any way. These addresses include : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Kieth XXXX XXXX, XXXX XXXX TX XXXX XXXX Woodrose Ct, XXXX, GA XXXX These addresses are damaging and create the impression of identity confusion or fraud. I have requested multiple times that Equifax investigate and delete these addresses, but no meaningful investigation has occurred. This failure is in violation of 15 U.S. Code 1681i and 1681e ( b ) regarding reinvestigation and maintaining accuracy. 
Summary I have made good faith efforts to resolve these inaccuracies directly with Equifax but have received generic responses or no meaningful action. These inaccuracies have negatively impacted my ability to obtain credit, housing, and employment. Equifaxs failure to maintain accurate, complete, and verifiable information on my consumer report constitutes multiple violations of the FCRA, and I am seeking a full reinvestigation, removal of the inaccurate data, and regulatory action by the CFPB. 
Please take immediate action regarding these violations.

Company response to consumer: Closed with non-monetary relief