Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
This is my formal complaint against Equifax for its continued reporting of inaccurate, outdated, and unverifiable information on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Despite prior disputes, Equifax has failed to conduct a reasonable investigation, and the errors remain uncorrected. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Wrong Address This address is falsely associated with my profile. I have never lived at or been associated with this address in any capacity. Reporting inaccurate personal identifying information is a direct violation of FCRA 1681e ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy in the information they report. The presence of this incorrect address raises significant security and identity verification concerns and reflects poor data handling by Equifax. 
XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Wrong Address This address is not mine and its inclusion is erroneous. I have no residential or personal connection with this location. This constitutes another breach of FCRA 1681e ( b ) as it distorts my credit profile and creates confusion for creditors and lenders. Equifaxs failure to remove this incorrect address after disputes exemplifies its lack of reasonable procedures to ensure the accuracy of consumer reports. 
XXXX XXXX  Account Number : XXXX Charge Off High Balance : {$2200.00} | Date Opened : XX/XX/XXXXXXXX  This account is reported as charged off and seriously delinquent, but this information is incomplete, outdated, and lacks proper validation. The account status is being reported without providing sufficient documentation or verification under FCRA 1681i ( a ), which requires the CRA to investigate disputed information. Furthermore, Equifax has violated 1681c ( a ) ( 4 ), which limits the reporting of adverse information to seven years. I demand Equifax provide complete documentation, including account validation, or remove this from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Charge Off High Balance : {$1800.00} | Date Opened : XX/XX/XXXX This account is being inaccurately reported as a charge off, yet I was not provided with any prior notice or debt validation by the original creditor or collector, violating my rights under FCRA 1681i ( a ) and the FDCPA 809 ( 15 U.S. Code 1692g ). Equifax has failed to ensure the accuracy and completeness of this information and has neglected to conduct a lawful reinvestigation upon dispute, thus breaching its obligations under 1681e ( b ). I am requesting immediate removal due to unverifiable status and procedural defects. 
XXXX XXXX Account Number : XXXX Late Payment High Balance : {$4500.00} | Date Opened : XX/XX/XXXXXXXX  This account has been reported with late payments, but these payments are in dispute due to billing errors and communication failure by the creditor. Equifax is required to conduct a full reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ) within 30 days of a dispute. No such action was taken, nor was I notified of the findings or provided any validation from the furnisher. Equifaxs continued reporting of this negative item without proof is reckless and damaging. This violates FCRA 1681e ( b ), which mandates accuracy, and 1681i ( a ), which mandates a timely and reasonable reinvestigation. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was done without my knowledge, consent, or permissible purpose under FCRA 1681b ( c ). I never applied for any credit from this institution. Reporting unauthorized hard inquiries harms my credit score and implies identity fraud or mishandling of personal data. I demand removal under FCRA 1681b ( a ) ( 1 ) and full explanation of the source of this inquiry. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  I did not authorize this company to access my credit report. There is no permissible purpose or application on record that justifies this inquiry. This inquiry represents a willful violation of FCRA 1681b, which limits access to credit files to legitimate business needs initiated by the consumer. Equifaxs failure to screen for legitimacy and continued reporting constitutes negligence. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  This inquiry is unrecognized and unauthorized. I have no relationship, past or present, with this entity. Equifaxs role is to ensure all inquiries have a legal basis under FCRA 1681b. Failing to investigate the origin and legality of this hard inquiry suggests Equifax did not follow reasonable procedures as required under 1681e ( a ) and ( b ). 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Another unauthorized inquiry which I did not initiate. Equifax must maintain strict protections over consumer access. This violates 1681b ( f ) and 1681c-1 of FCRA, where unauthorized inquiries constitute a breach of privacy and can severely impact my creditworthiness. 
XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry appears fraudulent and was never consented to. It is a breach of privacy under FCRA 1681b ( a ) and could signify identity theft or error. Equifax must remove it and notify me of any entities attempting to access my credit without authorization, as required by 1681m ( a ). 
In light of the above, I am requesting the CFPB to conduct a full investigation into Equifaxs failure to comply with FCRA obligations and their negligent reporting practices. Equifax has failed in its legal duty to ensure the accuracy, privacy, and completeness of my credit file. These violations have caused me reputational damage, emotional distress, and denial of fair credit opportunities. I seek immediate correction and/or deletion of all inaccurate, unverifiable, and unauthorized information mentioned in this complaint, and I demand appropriate enforcement action and consumer remedies under the law.

Company response to consumer: Closed with non-monetary relief