Consumer complaint received 2025-08-21 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: NV

Complaint narrative:
I am filing this complaint against Equifax for their failure to maintain accurate information on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, Equifax continues to report inaccurate, unverifiable, and outdated information, which is severely damaging my credit profile and financial well-being. 

First, Equifax is reporting an address that does not belong to me : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. This address is inaccurate and is not associated with my current or past residence. Its continued presence raises serious concerns about mixed files, identity theft, or reporting errors, and Equifax has not provided me with documentation to validate why it is on my credit file. 

Second, Equifax is inaccurately reporting multiple accounts with late payments and derogatory statuses, including : XXXX XXXX ( Late Payment, {$76.00}, Opened XX/XX/XXXX ) XXXX XXXX XXXX Late Payment, {$470.00}, Opened XX/XX/XXXX ) XXXX  XXXX ( Late Payment, {$25.00}, Opened XX/XX/XXXX ) XXXX XXXXXXXX ( Late Payment, {$240.00}, Opened XX/XX/XXXX ) XXXX  XXXX ( Late Payment, {$35.00}, Opened XX/XX/XXXX ) DPT ED/XXXX XXXXXXXX ( Late Payment, {$2200.00}, Opened XX/XX/XXXX ) DPT EDXXXX XXXX ( Late Payment, {$1400.00}, Opened XX/XX/XXXX ) XXXX XXXX ( Late Payment, {$520.00}, Opened XX/XX/XXXX ) XXXX XXXX ( Late Payment, {$520.00}, Opened XX/XX/XXXX ) DPT EDXXXX XXXX ( Late Payment, {$2300.00}, Opened XX/XX/XXXX ) DPT ED/XXXX XXXX ( Late Payment, {$4000.00}, Opened XX/XX/XXXX ) XXXX XXXX XXXX ( Late Payment, {$0.00} Balance, Opened XX/XX/XXXX ) Third, Equifax is reporting accounts as charge-offs and collections without providing proper validation or proof that they are accurate and legally enforceable, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge Off, {$1100.00}, Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Charge Off, {$12000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX ( Collection, {$1400.00}, Opened XX/XX/XXXX ) Additionally, Equifax is allowing unauthorized hard inquiries to remain on my file, which I did not initiate or authorize : XXXX ( XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ) These errors are causing severe harm to my creditworthiness by lowering my credit scores, increasing my borrowing costs, and preventing me from obtaining fair credit opportunities. Under the FCRA ( 15 U.S.C. 1681e ( b ) ), Equifax has a legal obligation to ensure maximum possible accuracy of consumer reports. Furthermore, under 15 U.S.C. 1681i, when a consumer disputes information, Equifax must conduct a reasonable reinvestigation and remove unverifiable information.

Equifax has failed in both duties. I am requesting that the CFPB compel Equifax to immediately : Remove the inaccurate address.

Delete or properly validate all disputed accounts listed above.

Remove unauthorized inquiries.

Provide written confirmation of corrections made to my file.

The continued reporting of inaccurate, unverifiable, and unauthorized information is a direct violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief