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: CA

Complaint narrative:
I am filing this formal complaint against Equifax for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) including but not limited to reporting inaccurate and unverifiable information, failure to conduct reasonable investigations into disputed information, and willful neglect in correcting erroneous data even after being properly notified. These violations have caused significant harm to my financial reputation and creditworthiness. Below are detailed accounts of the violations, including incorrect addresses, late payments, charge-offs, and collections, all of which remain inaccurately listed on my Equifax credit report. I am demanding that CFPB conduct a thorough investigation and instruct Equifax to immediately delete or correct the information as required by federal law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : This address is not and has never been associated with me. I have no known connection to this propertynever lived there, never used it for any financial activity, and never authorized any creditor to link this to my profile. 
XXXXw : FCRA 607 ( b ) requires Equifax to follow reasonable procedures to assure maximum possible accuracy. FCRA 602 ( A ) mandates protection from false or misleading data. 
Story : I have contacted Equifax multiple times to remove this address, yet it remains on my report. This inaccurate reporting can mislead lenders and jeopardize my creditworthiness. It raises serious concerns about data integrity and identity security. Keeping this false address could suggest potential identity theft or mixing of consumer files, which violates my rights under the FCRA. 
XXXX XXXX Acct : XXXX * High Balance : {$430000.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : This mortgage account is reporting late payments which I dispute as inaccurate and unverified. 
Law : FCRA 611 ( a ) ( 1 ) ( A ) right to dispute inaccurate information. FCRA 623 ( a ) ( 1 ) ( A ) data furnishers must not report inaccurate info.

Story : I have maintained consistent communication with XXXXXXXX XXXX and provided documentation showing timely payments, yet Equifax continues to report it as delinquent. The reporting is misleading and damaging, especially for such a large balance. Equifaxs refusal to correct this after multiple disputes shows failure to conduct a proper reinvestigation. 
XXXXXXXX XXXX  XXXX Acct : XXXX * High Balance : {$7000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is marked as a charge-off without proper verification or validation.

Law : FCRA 611 right to dispute and reinvestigate. FCRA 623 ( b ) furnishers must investigate disputed data.

Story : I was never notified about this account entering charge-off status. There was no notice or opportunity given to resolve the balance. The reporting is harmful and has had long-term negative consequences on my credit score. Equifax has ignored my disputes and failed to provide any supporting documentation. 
XXXX Acct : XXXX XXXX XXXX XXXX XXXX  High Balance : {$4700.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This charge-off is inaccurate and unverified. 
Law : FCRA 609 ( a ) ( 1 ) right to receive all information in file. FCRA 611 ( a ) right to reinvestigation. 
Story : I attempted to settle this account before any charge-off occurred. I submitted evidence showing recent communications, but Equifax did not investigate properly. The charge-off is severely damaging and false, and I demand its removal unless verified with original creditor statements. 
XXXX Acct : XXXX * High Balance : {$3900.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : XXXX account shows charged off without dispute validation or supporting evidence. 
Law : FCRA 611 ( a ) ( 1 ) right to reinvestigation. FCRA 607 ( b ) reasonable procedures to assure accuracy.

Story : This is an unfair and inaccurate reporting. I was never informed of default, and my disputes were never acknowledged properly. Equifax failed to obtain Discovers original billing history to validate this charge-off, which violates my rights under the FCRA. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : The charge-off is incorrect, and I dispute its validity. 
Law : FCRA 611 inaccurate information must be corrected. 
Story : I reached out to XXXX before this alleged default, requesting hardship assistance. Instead of resolving, Equifax reported a charge-off without giving me the chance to respond. The account was still under dispute when Equifax marked it as charged off. 
XXXX Acct : XXXX * High Balance : {$9200.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This accounts charge-off status is inaccurate. 
Law : FCRA 611 & 607 ( b ) require verification and accuracy.

Story : The XXXX account should not be listed as charged off. Payment was made, and account status was misclassified. My disputes have been ignored, and Equifax has not conducted a legitimate investigation. 
XXXX XXXX  XXXX Acct : XXXX * High Balance : {$8100.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Duplicate reporting of same account. 
Law : FCRA 605 & 607 ( b ) prohibits duplicate, misleading entries.

Story : This appears to be the same account listed twice with differing amounts and dates. Such duplicate reporting artificially inflates my debt and damages my credit standing. 
XXXX Acct : XXXX * High Balance : {$1600.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Invalid charge-off, dispute ignored. 
Law : FCRA 623 & 611 duties after receiving a dispute. 
Story : I never received billing statements or a charge-off notification. Equifax refuses to provide any proof from the furnisher, violating my right to validation under the FCRA. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$7100.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Reported late payments without verification. 
Law : FCRA 623 ( b ) furnishers must conduct investigations.

Story : This XXXX XXXX account had automatic payments enabled. Any claimed late payment is a system error, and Equifax failed to obtain verification before reporting. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Inaccurate and disputed charge-off. 
Law : FCRA 611 ( a ) right to proper reinvestigation.

Story : This account was closed in good standing, but Equifax listed it as charged off. All my disputes were ignored, and no proof was furnished by XXXX or Equifax. 
XXXX XXXX Acct : XXXX * High Balance : {$29000.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : False late payment reports during a deferment period. 
Law : FCRA 623 ( a ) must report accurately.

Story : This loan was in a documented deferment plan. Reporting late payments during that time is false and illegal. I provided the deferment agreement to Equifax, but no corrections were made. 
XXXX XXXX Acct : XXXX * High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Charge-off is invalid and unverifiable. 
Law : FCRA 609 ( a ) & 611 right to itemized information and reinvestigation.

Story : This XXXX loan was disputed due to billing errors and payment issues. Instead of resolving the matter, Equifax listed it as charged off, ignoring all communication. 
XXXX XXXX Acct : XXXX * High Balance : {$21000.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Inaccurate and harmful late payment reporting. 
Law : FCRA 611 & 623 ( b ) obligation to investigate. 
Story : I made payments via certified check that cleared, but Equifax still lists them as late. No documents were provided when I requested validation. This reporting is false and detrimental. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Account listed as charged off after settlement discussions. 
Law : FCRA 611 & 609 ( a ) rights to accurate reporting. 
Story : I negotiated settlement on this account and followed through. Still, Equifax falsely marked it as charged off. I disputed it with proof of communication, yet Equifax failed to act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Collection Issue : Collection reported without debt validation. 
Law : FDCPA 809 ( b ), FCRA 611. 
Story : XXXX XXXX listed this debt without sending any validation notice. Equifax reported it without confirming its accuracy, which is illegal under federal law. 
XXXX Acct : XXXX * High Balance : {$2300.00} Date Opened : XX/XX/XXXX Collection * * Issue : Collection reporting without verification. 
Law : FDCPA 809, FCRA 611. 
Story : XXXX XXXX has failed to validate this debt. I have never received an itemized breakdown or ownership proof. Equifax is continuing to report it without checking the legitimacy. 
XXXX XXXX Acct : XXXX High Balance : {$76.00} Date Opened : XX/XX/XXXX Collection * * Issue : Minor debt inaccurately reported and not validated. 
Law : FCRA 609, 623, FDCPA 809.

Story : This {$76.00} collection is questionable, and I never received billing or verification. Equifax failed to validate it before including it on my report. Even after disputes, no evidence was provided. 
Given these multiple and repeated violations, I request the CFPB to immediately investigate Equifaxs handling of my credit file, order deletion or correction of the inaccurate items listed above, and impose appropriate penalties for noncompliance with FCRA provisions. Equifax has failed to uphold their legal obligation to report only accurate, verifiable information and to properly address consumer disputes.

Company response to consumer: Closed with non-monetary relief