Consumer complaint received 2025-11-04 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: ME

Complaint narrative:
I am filing this complaint against Equifax Information Services for continuing to report multiple inaccurate, unverifiable, and misleading items on my credit report. These reporting errors have caused serious harm to my credit reputation and violate several sections of the Fair Credit Reporting Act ( FCRA ). Despite my right to accurate and verifiable credit information, Equifax has failed to ensure maximum possible accuracy as required under federal law. 

There are addresses being reported on my Equifax credit file that do not belong to me and have never been associated with my identity. The addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX are completely false. I have never resided at or used either of these addresses. Reporting false identifying information directly violates FCRA Section 607 ( b ), which requires consumer reporting agencies to maintain only accurate and verifiable data. 

Equifax is also reporting two charge-off accounts from XXXX XXXX XXXX XXXX that I have no knowledge of. The first account is listed under account number XXXX, opened on XX/XX/XXXX, with a balance of {$140.00}. The second account is also listed under account number XXXX, opened on XX/XX/XXXX, with a balance of {$200.00}. I have never opened or authorized any accounts with XXXX XXXX XXXX XXXX. These entries are completely false and unverifiable. They have no connection to me and must be deleted under FCRA Section 611 ( a ) ( 5 ) ( A ), which mandates removal of any information that can not be verified during reinvestigation. 

Additionally, there is a collection account from XXXX XXXX XXXX  being reported under account number XXXX, opened on XX/XX/XXXX, showing a balance of {$1200.00}. I have no knowledge of this account and have never received any notice, communication, or validation from this company. This account is inaccurate and unverified. Reporting an account that lacks any legitimate documentation or proof of debt is a direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which prohibit furnishing false or unsubstantiated information about consumers. 

There are also two accounts from XXXX XXXX being reported inaccurately. The first account, number XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, is being shown with a late payment status even though the balance is reported as {$0.00}. The second account, number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, is being reported as a charge-off with a {$0.00} balance. These entries are completely incorrect. I have never made any late payments with this creditor, and the reporting of such false payment history violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know to be inaccurate. These must be corrected or deleted immediately. 

Furthermore, Equifax is reporting several unauthorized hard inquiries that I never approved. These inquiries are from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. I never gave these companies permission to access my credit file. These inquiries were conducted without my consent and constitute a violation of FCRA Section 604 ( a ) ( 2 ), which prohibits obtaining a consumer report without a permissible purpose. The inclusion of these unauthorized inquiries represents an invasion of privacy and a serious compliance failure on Equifaxs part. 

I have already disputed these errors directly with Equifax, requesting that all inaccurate and unverifiable items be deleted from my file. However, Equifax has failed to conduct a proper reinvestigation as required under FCRA Section 611 ( a ). No proper verification, documentation, or explanation has been provided to support the continued reporting of these false items. Equifaxs failure to correct or remove inaccurate information within the statutory time frame demonstrates willful noncompliance with the Fair Credit Reporting Act.

I am requesting that the Consumer Financial Protection Bureau review this matter and take immediate enforcement action to ensure that Equifax complies with federal law. Equifax must be held accountable for reporting false addresses, unverified charge-off and collection accounts, inaccurate late payment history, and unauthorized inquiries. I respectfully request that the CFPB require Equifax to delete all unverifiable and inaccurate information from my credit report and confirm in writing that my file has been corrected. These reporting errors have caused significant and ongoing damage to my credit reputation, and immediate corrective action is necessary to restore accuracy and compliance under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief