Consumer complaint received 2025-07-02 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:
b'I am submitting this complaint against Equifax for violating multiple provisions of the Fair Credit Reporting Act (FCRA), by repeatedly reporting false, incomplete, and unverifiable information on my credit report, and for failing to investigate and correct these issues upon dispute. These inaccurate entries have caused me denial of credit, higher interest rates, emotional stress, and reputational damage. Below is a breakdown of the inaccurate entries with legal justification and detailed explanations:\nWrong Address\XXXX XXXX XXXX XXXX, TX XXXXXXXX1\nIssue: This address has been reported on my credit file despite the fact that I have never resided at, used, or authorized the use of this location. I have submitted prior disputes with evidence confirming my current and past verified addresses, yet Equifax failed to remove this incorrect entry.\nViolation: FCRA  1681e(b)  Equifax is obligated to follow reasonable procedures to assure maximum possible accuracy. Reporting addresses unrelated to me demonstrates a lack of such procedures.\nStory: This misreported address has resulted in linking me to accounts and inquiries that do not belong to me, leading to serious negative credit consequences. I have sent mail and documentation to Equifax, and despite acknowledgment of receipt, no action has been taken to remove this false address.\nAccount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: 1XXXX XXXX XXXX XXXX XXXX: This account shows late payment notations that are inaccurate. I made all payments on time, and I have submitted payment records to Equifax. Despite this, the account still reflects delinquencies.\nViolation: FCRA  1681i(a)  Requires the CRA to conduct a reasonable reinvestigation;  1681s-2(b)  Furnishers must investigate upon dispute.\nStory: I have suffered a drop in credit score due to these falsely reported delinquencies. I have reached out to both XXXX XXXX and Equifax with proof of timely payments, yet Equifax failed to either verify or remove the account status. This inaction shows their failure in both procedural compliance and consumer protection.\nAccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: This account has been reported twice and both entries show late payments. It is a duplicate entry which violates the principles of accurate credit reporting, and the late payment notation is also disputed.\nViolation: FCRA  1681e(b)  Duplication violates accuracy;  1681i(a)  Equifax failed to correct duplication or verify the debt upon dispute.\nStory: This duplication exaggerates my debt-to-income ratio and falsely suggests multiple delinquencies when in reality, there is only one account. This misrepresentation is unfairly damaging my credit profile and has prevented me from accessing auto loan financing.\nMultiple Accounts: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: These entries appear as separate loans with overlapping timelines and inconsistent statuses. Many were consolidated or closed but still reported as open and delinquent.\nViolation: FCRA  1681e(b)  Inaccurate and outdated reporting;  1681i  Failure to investigate consolidated/closed loans;  1681s-2(b)  Failure of furnishers to update or remove obsolete data.\nStory: I consolidated several of these loans under federal programs, and provided documents showing loan transfers, deferment status, and payment plans. Equifax ignored these documents and continues to show late payments and duplicates. This creates a misleading image of extreme financial irresponsibility. I have been denied housing and credit cards based on this, despite being in compliance with my student loan obligations.\nEquifaxs Systemic Violations & Negligence\nEquifax has demonstrated a consistent pattern of negligence in updating, verifying, and correcting inaccurate information. Their repeated failure to uphold FCRA mandates has directly harmed me.\nViolation Summary:\n\t 1681e(b): Failure to assure maximum possible accuracy\n\t 1681i(a): Failure to reinvestigate disputes within 30 days\n\t 1681s-2(b): Failure of furnishers to correct or delete inaccurate information after dispute notice\nImpact on Me:\nThese violations have caused denial of rental applications, higher insurance premiums, emotional distress, and denial of credit at crucial times. Despite multiple dispute attempts, Equifax has refused to take meaningful action. Their inaction amounts to willful noncompliance with federal law.\nRelief Requested:\n Immediate deletion of the incorrect address XXXX XXXX XXXXn Correction or deletion of inaccurate payment history and duplicated accounts\n Written confirmation of corrections\n Civil penalties and regulatory review of Equifaxs investigation practices'

Company response to consumer: Closed with non-monetary relief