Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries on my credit report.

I previously submitted disputes to Equifax directly, but they failed to conduct a reasonable investigation or remove unverifiable information as required by FCRA 611 ( a ) and 1681i. 

Inaccurate Addresses XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are not accurate and are not associated with my personal or financial history. Reporting such incorrect information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy of the data they report.

Unverified and Questionable Charge-off Accounts Equifax is reporting the following accounts, many of which I do not recognize and which were verified without proper documentation : XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$500.00} | Charge-off TRUIST Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$8400.00} | Charge-off XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$600.00} | Charge-off FARMERS FURN Acct # : XXXX * * * * Opened : XX/XX/XXXX | Balance : {$4500.00} | Charge-off XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-off XXXX XXXX XXXX Acct # : XXXX * * * * * * * * * * Opened : XX/XX/XXXX | Balance : {$360.00} | Charge-off XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$860.00} | Charge-off These accounts were either opened fraudulently or are being reported inaccurately. Equifax failed to provide evidence that these were investigated properly or verified with the original creditors, in violation of FCRA 611 ( a ) ( 1 ) ( A ).

Unauthorized or Questionable Inquirie
s The following hard inquiries were made without my knowledge or consent and appear to lack permissible purpose under FCRA 604 ( a ) ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and were not made in connection with any credit application I submitted. Despite disputes, Equifax has refused to investigate or remove them.

Resolution Requested : I am requesting that the CFPB : Investigate Equifaxs failure to conduct proper reinvestigations in compliance with FCRA. 

Require Equifax to validate each of the accounts and inquiries listed or permanently delete any unverifiable entries. 

Remove all incorrect addresses from my credit report. 

Enforce regulatory penalties if Equifax is found to be willfully non-compliant. 

This inaccurate reporting has harmed my credit standing, resulting in financial and emotional distress. I urge the CFPB to take immediate action to protect my rights and ensure Equifax complies with federal law.

Company response to consumer: Closed with non-monetary relief