Consumer complaint received 2025-06-27 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:
Consumer Financial Protection Bureau Complaint against Equifax I am submitting this formal complaint against Equifax for willfully and negligently reporting inaccurate and unverifiable information on my credit report. Despite multiple attempts to have these erroneous entries corrected or removed, Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which mandates the highest standards of accuracy, verification, and reinvestigation. I am a victim of persistent credit reporting violations including the reporting of multiple incorrect addresses, outdated and unverifiable inquiries, and derogatory account information. The following are the items that are incorrect on my Equifax credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is not mine and was never associated with me. Its reporting is a direct violation of FCRA 1681e ( b ) which requires consumer reporting agencies to assure maximum possible accuracy of the information they report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is incorrect and unauthorized. Continued reporting of this erroneous data violates FCRA 1681c ( a ) ( 5 ), which prohibits the inclusion of outdated and incorrect addresses. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived at this address, nor had any connection with this property. This represents a breach of Equifaxs duty under FCRA 1681i ( a ) ( 1 ) ( A ) to reinvestigate disputed information within 30 days of notice. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is factually inaccurate. Equifaxs failure to remove this even after prior notice constitutes a willful violation of FCRA 1681n ( a ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This incorrect address is being reported without my authorization. This shows Equifax has not verified the source of this data, breaching FCRA 1681e ( a ) which obligates agencies to maintain reasonable procedures to avoid erroneous entries. 
XXXX XXXX Account # : XXXX | High Balance : {$270.00} | Date Opened : XX/XX/XXXX Late Payment This account is reporting a late payment that is inaccurate and unverified. I never received proper billing notification nor was the delinquency validated. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) as furnishers must not report inaccurate information. Equifax is also violating 1681i by failing to reinvestigate this after dispute.

Issue : Late payment being reported without verification or investigation.

Law : FCRA 1681s-2 ( a ), 1681i ( a ) XXXX  Account # : XXXX | High Balance : {$21000.00} | Date Opened : XX/XX/XXXX Late Payment This account is reporting delinquencies that are both inaccurate and misleading. I requested debt validation but received no response. Equifax continued to report it anyway. This is a breach of FCRA 1681e ( b ) for failure to ensure accuracy and 1681i for failure to reinvestigate disputed data. Issue : Inaccurate late payment ; failure to validate debt.

Law : FCRA 1681e ( b ), 1681i ( a ) XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX I never authorized this hard inquiry. This constitutes unauthorized access to my credit profile and is a violation of FCRA 1681b, which mandates permissible purpose for all credit pulls.

Issue : Unauthorized hard inquiry.

Law : FCRA 1681b ( f ) XXXX XXXX XXXX  | Inquiry Date : XX/XX/XXXX This hard inquiry was not authorized and not initiated by me. Equifax is in violation of its duty to ensure only permissible inquiries are listed, per FCRA 1681b and 1681e ( a ).

Issue : Inquiry without consumer consent.

Law : FCRA 1681b, 1681e ( a ) XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX This company pulled my credit without my knowledge or any permissible purpose. This is unauthorized access and a serious breach of FCRA 1681b.

Issue : Unauthorized inquiry reported without consent.

Law : FCRA 1681b Equifax has consistently failed to fulfill their obligations under the Fair Credit Reporting Act. They have not conducted a reasonable reinvestigation into my disputes, nor have they maintained procedures to ensure maximum possible accuracy. I have suffered from emotional distress, credit denials, and financial harm due to the presence of these incorrect entries. I am requesting the CFPB to conduct a full investigation into Equifaxs actions and compel them to permanently delete all inaccurate addresses, remove all unverifiable accounts and inquiries, and provide written confirmation of these corrections.

I request enforcement of my rights under FCRA 1681i ( Reinvestigation ), 1681e ( Accuracy ), 1681b, and 1681n ( Civil Liability for Willful Noncompliance ).

Company response to consumer: Closed with non-monetary relief