Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I am filing a formal complaint against Equifax for failing to correct multiple inaccuracies on my credit report, despite my previous disputes. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report, yet Equifax has continued to report incorrect personal information, unauthorized inquiries, and unverifiable collection accounts. 

Personal Information Errors Equifax has reported incorrect names and addresses that do not belong to me. Despite my dispute request, these errors remain on my report.

Incorrect Names to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and only legal name is : XXXX XXXX. 

Incorrect Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My correct and only address is : XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

Unverifiable Collection Accounts The following collection accounts are either inaccurate, not mine, or lack proper validation. Under the FCRA, Equifax must remove unverifiable information, yet these accounts remain.

XXXX XXXX ( Original Creditor : XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$120.00} Dispute Reason : Unverified debt, requires full validation. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Reported : XX/XX/XXXXXXXX  Balance : {$610.00} Dispute Reason : Debt does not belong to me, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXXXXXX  Balance : {$1200.00} Dispute Reason : Account information is inaccurate, requires investigation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$10000.00} Dispute Reason : Unverified and inaccurate reporting, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : Purchasing Power ) Reported : XX/XX/XXXX Balance : {$1000.00} Dispute Reason : Debt does not belong to me, requires full validation. 
XXXX XXXX ( Original Creditor : Progressive ) Reported : XX/XX/XXXXXXXX  Balance : {$890.00} Dispute Reason : Unverified and inaccurate account, requires full validation. 
Request for Investigation & Enforcement Action Despite my previous disputes, Equifax has failed to properly investigate or remove these inaccuracies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611, which requires credit bureaus to delete unverified, inaccurate, or outdated information.

I am requesting that the CFPB take immediate action to ensure Equifax complies with federal law. I ask that you : Require Equifax to remove all incorrect names, addresses, and unauthorized accounts from my credit report. 
Investigate Equifaxs failure to properly handle disputes as required by the FCRA.

Ensure Equifax provides written confirmation of all corrections made. 
I have attached supporting documents for your review. Please keep me updated on the status of this complaint.

Company response to consumer: Closed with non-monetary relief