Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am filing this complaint against Equifax because the company has failed to maintain the accuracy and integrity of my credit file in clear violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I found false, unverified, and damaging information that Equifax continues to report without proper investigation or verification. These actions have caused serious harm to my credit standing and violate multiple sections of the FCRA, including Sections 602A, 607 ( b ), 611, and 623. 

Equifax is reporting a wrong address, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which does not belong to me and is not connected to my verified residence history. The inclusion of this incorrect personal information demonstrates Equifaxs failure to ensure maximum possible accuracy as required under FCRA Section 607 ( b ). This error is misleading and creates confusion in my credit file, suggesting a lack of adequate verification procedures in the handling of consumer identifying data. 

Additionally, Equifax is reporting a charge-off account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a date opened of XXXX and a reported balance of {$160.00}. I have absolutely no knowledge of this account, have never opened it, and have never authorized any credit application with XXXX. This account is either the result of identity-related error or complete reporting negligence. Equifax has failed to provide any evidence or supporting documentation verifying the legitimacy of this account. Under FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), the credit bureau is required to verify all disputed data directly with the furnisher and delete any entry that can not be proven accurate. Equifaxs continued reporting of this unverifiable and false account is a clear violation of federal law.

Despite my right to dispute inaccurate information under FCRA Section 611, Equifax has not fulfilled its obligation to conduct a proper reinvestigation. No documentation has been provided proving that the reported information was verified through legitimate sources. This failure to comply with legal reinvestigation requirements demonstrates willful neglect and disregard for consumer rights. 

These reporting failures have caused direct harm to my credit reputation, lowered my credit score, and created significant emotional distress and financial difficulty. The presence of false information on my credit report affects my ability to obtain credit, housing, and fair financial opportunities. Equifaxs continued inaction in correcting these inaccuracies constitutes willful noncompliance under FCRA Sections 616 and 617, which hold credit reporting agencies liable for negligent or intentional violations of federal consumer protection laws. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement action against Equifax for its failure to comply with the Fair Credit Reporting Act. Equifax must be required to conduct a lawful and documented reinvestigation of my file and permanently delete all inaccurate, false, and unverifiable information including the wrong address and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account. I further request that the CFPB ensure Equifax provides me with written proof of all verification efforts and updates my credit report to reflect only accurate and verified data. 

Equifaxs repeated failure to maintain accurate information and verify disputed entries undermines the integrity of the consumer credit system and violates my legal rights under the FCRA. I am seeking the CFPBs intervention to ensure full compliance, correction of my credit file, and accountability for Equifaxs violations of federal law.

Company response to consumer: Closed with non-monetary relief