Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am submitting this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. I have previously disputed these matters, but Equifax has failed to take proper corrective action. The following details are part of my complaint, and I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate thoroughly. 
XXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This address is inaccurately listed on my credit report. I have never lived at or been associated with this address. 
XXXX Violated : FCRA Section XXXX ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 
FCRA Section XXXX ( c ) ( XXXX ) Entitles consumers to know the sources of information. 
Request : XXXX deletion of this inaccurate address from my credit report. Its inclusion is misleading, damaging, and a violation of my rights. 
XXXX. XXXX XXXX Acct # : XXXX * High Balance : {$11000.00} | Date Opened : XX/XX/XXXX * * Issue : Multiple inaccurate late payment notations have been reported. I have already disputed this, but Equifax verified it without conducting a proper reinvestigation or providing evidence of accuracy. 
Law Violated : FCRA Section XXXX ( a ) Inaccurate information must be reinvestigated if disputed. 
FCRA Section XXXX ( a ) ( XXXX ) ( A ) Information furnishers must not report inaccurate information. 
FCRA Section XXXX ( A ) Consumers have the right to fair and accurate credit reporting. 
Request : I demand deletion or correction of this account. Late payments were reported inaccurately, and Equifax failed to validate them through reasonable investigation. 
XXXX. XXXX Acct # : XXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX * * Issue : Reported late payment history is incorrect and unsupported. I never received validation or proper notice under the FCRA or FDCPA regarding these derogatory marks. 
Law Violated : FCRA Section XXXX ( a ) ( XXXX ) Right to full disclosure of account data. 
FCRA Section XXXX ( a ) ( XXXX ) Failure to remove or correct disputed information. 
FDCPA Section XXXX ( XXXX ) Reporting false credit information. 
Request : Delete the inaccurate late payment history. I was not given documentation to validate the claim and the reporting is harming my creditworthiness. 
XXXX. XXXX XXXXXXXX XXXX Acct # : XXXX * High Balance : {$1400.00} | Date Opened : XX/XX/XXXX * * Issue : This account shows late payments that are inaccurate. Equifax has refused to provide full documentation, violating my right to dispute and verify. 
Law Violated : FCRA Section XXXX ( a ) ( XXXX ) Requires consumer agencies to provide results of reinvestigation. 
FCRA Section XXXX ( b ) Obligation to investigate disputes. 
Request : Accurate reporting and immediate deletion of false late payment records. I never received supporting documentation and proper investigation wasnt conducted. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX * * Issue : Late payments listed are inaccurate and do not reflect the true payment history. My prior disputes were dismissed with no valid investigation or response. 
Law Violated : FCRA Section XXXX ( a ) ( XXXX ) Duty to delete disputed info if unverifiable. 
FCRA Section XXXX ( a ) Reporting agencies must assure maximum accuracy. 
Request : Remove late payment notations that were reported erroneously. Equifax has continued to report this damaging information without adequate basis. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$27000.00} | Date Opened : XX/XX/XXXX * * Issue : This student loan account reflects false late payments. The servicer changed and communication breakdown caused confusion, yet Equifax continued to report negatively without updated or accurate info. 
Law Violated : FCRA Section XXXX Inaccurate or fraudulent info must be blocked upon request. 
FCRA Section XXXX ( a ) ( XXXX ) Duty to correct and update info. 
Request : Delete the inaccurate late payments and update this account to reflect accurate payment activity. The reporting is unfair and unsupported. 
XXXX XXXX XXXX XXXX Acct # : XXXX * High Balance : {$190.00} | Date Opened : XX/XX/XXXX * * Issue : This collection account is being reported without validation. I requested verification under my rights through FDCPA, but neither the furnisher nor Equifax responded with documentation. 
Law Violated : FDCPA Section XXXX ( b ) Collector must validate debt upon request. 
FCRA Section XXXX ( a ) ( XXXX ) ( A ) Inaccurate info must be reinvestigated upon dispute. 
FCRA Section XXXX ( a ) ( XXXX ) Permissible purpose for reporting is unclear. 
Request : Immediate deletion due to lack of validation and failure to provide verification upon dispute. 
Final Note : Equifax has failed to meet its legal obligation to ensure the information reported on my credit file is accurate, complete, and verifiable. Despite multiple disputes and written communication, Equifax has willfully ignored my rights under the FCRA and FDCPA. The negligence and failure to comply with federal law have caused me significant financial and emotional harm. 
I respectfully request the CFPB to hold Equifax accountable for these violations, demand that they correct or delete all inaccurate data mentioned above, and enforce penalties if necessary to prevent future consumer harm.

Company response to consumer: Closed with non-monetary relief