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: OK

Complaint narrative:
To whom it XXXX concern I am submitting this complaint against Equifax for continuously reporting inaccurate and unverifiable information on my credit report despite my previous attempts to dispute and correct these errors my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are being ignored by the data furnishers and Equifax has failed its duty to conduct reasonable investigations under XXXX XXXX XXXX ( a ) and XXXX XXXX XXXX ( b ) I am a victim of continued inaccurate credit reporting that is causing me financial and emotional harm XXXX XXXX XXXX XXXX, OK XXXX Wrong Address This address is completely inaccurate and not associated with me in any form I have never lived at this address and I did not authorize it to be added to my credit report Reporting of incorrect addresses violates the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX ( b ) which requires credit bureaus to maintain maximum possible accuracy of the information they report The presence of such an address is a red flag for potential mixed files or identity confusion and increases my vulnerability to fraud or mistaken identity I have previously disputed this address and yet Equifax continues to report it This failure constitutes willful negligence and lack of reasonable procedures under federal law XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX High Balance : {$750.00} Charge Off This account is reporting as a charge-off even though I have requested validation and an investigation under XXXX XXXX XXXX XXXX data furnisher has failed to show any signed agreement or itemized breakdown to prove this debt is accurate and belongs to me Without proper validation continued reporting is a violation of XXXX XXXX XXXX XXXX the FDCPA Additionally Equifax has XXXX to perform a reasonable investigation as required by XXXX XXXX XXXX XXXX a ) and continues to allow this inaccurate derogatory item to damage my credit report and financial reputation I am also requesting deletion under XXXX XXXX XXXX XXXX the furnisher has failed to provide verified and accurate information to the CRA This charge-off is XXXX my ability to obtain credit and causing extreme emotional and financial hardship I demand immediate removal of this unverifiable and harmful entry XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$3300.00} Charge Off I do not recognize this account and have never had any business relationship with XXXX for the account ending in XXXX * * * This account is being reported as a charge-off but no proof of responsibility has ever been presented to me Despite my dispute Equifax continues to report this account without conducting XXXX proper investigation in violation of XXXX XXXX XXXX and XXXX XXXX XXXX ( b XXXX DISCOVERC has not XXXX any proof that this debt is mine including no signed agreement no itemization of charges and no chain of custody of the account This is in direct violation of XXXX XXXX XXXX of the FDCPA and XXXX XXXX XXXX of the FCRA Continued reporting of XXXX information constitutes negligent and possibly XXXX noncompliance with federal laws and entitles me to damages under XXXX XXXX XXXX and XXXX This account is causing substantial credit XXXX and preventing me from securing housing and employment Equifax has failed to meet its legal obligations under federal XXXX by continuing to report these inaccurate addresses and unverifiable accounts despite my previous attempts to correct them I respectfully request the CFPB to intervene and hold Equifax accountable for these violations and ensure all inaccurate addresses and unverifiable derogatory accounts are permanently deleted from my credit file I also request that Equifax be instructed to provide me with updated copies of XXXX credit file once corrections are made I am attaching supporting documents including prior disputes and identity verification for your review Thank you for your attention to this serious matter

Company response to consumer: Closed with non-monetary relief