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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax Information Services LLC for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( Failure to Reinvestigate ), 1681e ( b ) ( Failure to Maintain Accurate Information ), and 1681c ( Reporting of Obsolete Information ).

Despite previous attempts to correct the inaccuracies on my credit report, Equifax has continued to report multiple incorrect addresses that are not associated with me in any capacity. These false addresses pose serious risks to my identity, creditworthiness, and financial integrity. 
Incorrect Addresses Reported by Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX I have never resided, received mail, or had any association with this location. 
Violation : FCRA XXXX ( b ) Duty to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX This address is entirely unfamiliar and should not be connected to my credit file. 
Violation : FCRA 1681i Duty to reinvestigate upon notice of dispute. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have no lease, ownership, or link to this property. 
Violation : FCRA 1681e ( b ) Reasonable procedures for accuracy were not followed. 
XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX This is a fraudulent entry on my report and should have been removed upon dispute. 
Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Must delete disputed inaccurate item not verified within 30 days. 
XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX No documentation connects me to this address. Its inclusion has led to confusion and risk.

Violation : FCRA 1681c Prohibits inclusion of outdated or irrelevant information. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address is an error and should never have appeared on my file. 
Violation : FCRA 1681e ( b ) Equifax failed to ensure the address was relevant and verified.

Factual Background and Harm Caused These false addresses have caused substantial and ongoing harm, including : Denial of credit applications due to " inconsistent identity flags. '' Increased interest rates from lenders due to perceived risk.

Emotional distress, time, and energy spent to correct errors.

Exposure to identity theft and fraudulent account association.

Despite notifying Equifax of these discrepancies, they failed to act appropriately under the FCRA-mandated timeline and procedures. This negligence is unacceptable and unlawful.

Legal Basis for Complaint Under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to ensure accuracy.

1681i ( a ) Requires agencies to reinvestigate disputed information within 30 days.

1681c ( a ) Prohibits inclusion of outdated, irrelevant, or unverified address information.

1681n & 1681o Provide for civil liability in cases of willful or negligent noncompliance.

Equifax has failed to comply with all of the above.

Resolution Requested I am requesting that : 1. All the above-mentioned false addresses be immediately deleted from my Equifax credit report.

2. A full reinvestigation be conducted and confirmation provided in writing.

3. Equifax provide documentation explaining how and why these addresses were added to my report.

4. Compliance review of Equifaxs verification procedures to ensure no future recurrence.

5. Monetary compensation be considered for the damages incurred due to these violations. 
I am attaching identity verification documents separately for your investigation. 
This is not my first attempt at correction. The continued inaction by Equifax indicates systemic failure to meet legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief