Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information on my credit report, despite my repeated efforts to resolve the matter. These actions have caused me significant emotional distress, denial of credit, and damage to my financial reputation.

1. Inaccurate Address Reporting Violation of FCRA 605 ( b ) Address Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This address is inaccurate and does not belong to me. Reporting of this incorrect address is a violation of FCRA 605 ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy of the information they report.

Despite notifying Equifax of this error, this address remains on my report and is being used to associate negative items with my profile. This raises serious concerns of mixed file or identity merging, which is strictly prohibited under FCRA. 
2. DEPT OF EDUCATIONXXXX Accounts Late Payment Reporting Equifax is reporting multiple student loan accounts with late payments under DEPT OF EDUCATION/XXXX XXXX which is inaccurate and misleading. I have disputed these entries previously, but Equifax failed to conduct a proper reinvestigation under FCRA 611.

Account 1 : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : XXXX XXXX  {$5600.00} Date Opened : XX/XX/XXXX Issue : Late payments inaccurately reported. 
FCRA Violation : 607 ( b ) Failure to ensure accuracy and completeness.

Account 2 : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : XXXX XXXX XXXX$8000.00} Date Opened : XX/XX/XXXX Issue : Reported as past due even after forbearance/deferral. 
FCRA Violation : 611 ( a ) Inadequate reinvestigation. 
Account XXXX : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : XXXX XXXX  {$1700.00} Date Opened : XX/XX/XXXX Issue : Showing historical late payments during active deferment period. 
FCRA Violation : 607 ( a ) Negligent reporting of false payment status. 
Account XXXX : DEPT OF EDUCATIONXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : XXXX XXXX {$1400.00} Date Opened : XX/XX/XXXX Issue : Misleading derogatory status this loan was consolidated and paid. 
FCRA Violation : 605 ( a ) ( 5 ) Reporting obsolete/inaccurate information.

Account 5 : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : XXXX XXXX  {$2200.00} Date Opened : XX/XX/XXXX Issue : Repeated delinquencies posted during COVID-19 relief period.

FCRA Violation : 623 ( a ) ( 1 ) ( A ) Furnishing data with actual knowledge of errors.

Story : These late payments were either incorrect or occurred during federally approved deferments and forbearances ( including CARES Act provisions ). The continued reporting of these derogatory marks violates the FCRAs requirement for accurate, fair, and substantiated credit reporting. These errors have severely harmed my credit score and credibility with lenders.

3. Hard Inquiries Potential Permissible Purpose Violation ( 604 ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No application for credit was made. I did not authorize this pull. 
XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Issue : This inquiry was unauthorized. I did not submit a credit application on this date. 
XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Inquiry occurred without my knowledge or consent. 
Story : These hard inquiries were done without my knowledge or proper permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Equifax has failed to verify if these companies had lawful authorization to access my report. This not only violates the law but has also caused a drop in my credit score. 
Summary of Violations : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy FCRA 611 ( a ) : Failure to reasonably reinvestigate disputes FCRA 605 ( a ) ( 5 ) : Reporting obsolete or misleading information FCRA 604 : Permissible purpose violations ( unauthorized hard pulls ) FCRA 623 ( a ) : Inaccurate reporting by data furnishers Requested Relief : 1. Immediate deletion of the following : o The inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX o All inaccurate late payments reported by XXXX XXXX XXXX o Unauthorized hard inquiries ( XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX XXXX ) XXXX. Full reinvestigation of the listed accounts under FCRA 611, with documented results.

3. Financial and emotional damages acknowledgment due to these violations.

4. Civil penalties and regulatory action against Equifax for repeated violations of consumer rights.

Please escalate this issue to the appropriate regulatory department and investigate these matters thoroughly. I am attaching supporting documentation for each item and request confirmation once this complaint has been processed.

Company response to consumer: Closed with non-monetary relief