Consumer complaint received 2025-11-07 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:
b'I am filing this formal complaint against Equifax Information Services LLC for continuing to report inaccurate, unverified, and incomplete information on my consumer credit file, despite my previous written dispute and supporting documentation. Equifax has failed to correct, delete, or provide proper verification for multiple accounts and personal details that remain wrongfully reported on my credit report. This ongoing negligence violates the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., specifically Sections 602(A), 607(B), and 611(A), which require consumer reporting agencies to ensure the maximum possible accuracy of the information they publishXXXXEquifax continues to report two wrong addresses on my file: XXXX XXXX XXXX XXXX XXXX TX XXXX, and XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at nor been associated with these addresses in any way. Their continued presence on my file creates confusion and falsely connects me to locations that do not belong to me. This is a clear violation of Equifaxs duty to maintain accurate identifying information under FCRA Section 607(B).\n\nIn addition to the personal information errors, several accounts are being incorrectly reported with false late payment histories. These include XXXX XXXX XXXX  with a high balance of XXXX and a date opened of XXXX XXXXXXXX XXXX XXXX  with a high balance of XXXX  and a date opened of XXXX and XXXX XXXX  with a high balance of XXXX and a date opened of XXXX. I have never made late payments on these accounts. However, Equifax continues to report them as delinquent without producing any verifiable proof from the furnishers. This indicates a failure to reinvestigate as required under FCRA Section 611(A)(1)XXXXFurthermore, multiple XXXX  accounts on my report are being wrongfully reported with false late payments that I have never made. The affected accounts include XXXX XXXX with a high balance of XXXX  and date opened XXXX XXXX XXXX with a high balance of XXXX  and date opened XXXX XXXXXXXX XXXX  with a high balance of XXXX  and date opened XXXX XXXX XXXX  with a high balance of XXXX  and date opened XXXX XXXXXXXX XXXX with a high balance oXXXX XXXX  and date opened XXXX XXXXXXXX XXXX with a high balance of XXXX  and date opened XXXX XXXXXXXX XXXX with a high balance of XXXX and date opened XXXX XXXX XXXX with a high balance of XXXX and date opened XXXX  XXXX XXXX  with a high balance of XXXX and date opened XXXX and XXXX XXXX with a high balance of XXXX and date opened XXXX. None of these accounts have ever been late, and yet Equifax continues to report them inaccurately, failing to provide any documentary evidence from the furnisher or lender confirming their accuracy.\n\nAdditionally, multiple XXXX student loan accounts are also being reported with false delinquencies. These include XXXX XXXX with a high balance of XXXX and date opened XXXX XXXX XXXX with a high balance of XXXX and date opened XXXX XXXXXXXX XXXX  with a high balance of XXXX and date opened XXXX  XXXX XXXX with a high balance of XXXX  and date openeXXXX XXXX XXXX XXXX  with a high balance of XXXX and date opened XXXX and XXXX XXXX  with a high balance of XXXX  and date opened XXXX. I have never been late on any of these student loans, and Equifax has not provided a single piece of verification showing that these late payments are accurate. Reporting such false information after a prior dispute constitutes a violation of FCRA Sections 607(B) and 611(A)(1).XXXXEquifax is also reporting an unverified collection account that does not belong to me. The account listed as TXXXX XXXX shows a high balance of XXXX  and a date opened of XXXX. I have no knowledge, record, or connection to this account, and Equifax has not provided any proof of its legitimacy. Under FCRA Section 611(A)(5) and Section 623(A)(1)(A), any item that cannot be verified through documented proof from the original creditor must be deleted. Equifaxs failure to remove this collection account after my initial dispute shows a lack of compliance with federal law.\n\nI have made multiple attempts to work with Equifax to resolve these issues, but they have continued to report inaccurate and unverifiable information without providing proper documentation or verification results. Equifaxs lack of thorough reinvestigation and continued publication of false information has caused serious damage to my credit reputation, credit score, and financial opportunities. Their inaction demonstrates negligence and disregard for their legal obligations under the Fair Credit Reporting Act.XXXXI am requesting that the Consumer Financial Protection Bureau (CFPB) conduct a full investigation into Equifaxs repeated failure to comply with federal reporting laws. I ask that Equifax be directed to delete or correct all inaccurate, unverified, and unauthorized information listed above, including the wrong addresses, false late payment accounts, and the unverified collection account. I also request that Equifax implement appropriate procedures to ensure maximum possible accuracy in all future reporting, as required by federal law, and provide written confirmation that these corrections have been made.'

Company response to consumer: Closed with non-monetary relief