Consumer complaint received 2025-08-25 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: OH

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

Address : XXXX XXXX XXXX XXXX, OH XXXX Law / Issue : FCRA Sections 607 & 611 Bureaus must maintain accurate information and correct any disputed errors promptly. 
Story : I have no association with this property. Its inclusion is erroneous, may cause wrongful assumptions about my financial obligations, and could lead to misidentification. I request verification or deletion.

Address : XXXX XXXX XXXX XXXX, OH XXXX Law / Issue : FCRA Section 609 ( a ) Consumers have the right to dispute and obtain verification of all reported information. 
Story : I have never resided, rented, or had any billing or mailing relationship with this address. Its continued reporting is negatively impacting my creditworthiness and may mislead creditors. I demand immediate reinvestigation and deletion. 

Account : XXXX  XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$6900.00} Law / Issue : FCRA Section 611 Duty to report accurate account information ; any unverifiable charge-off must be removed. 
Story : The account is inaccurately reported as a charge-off. I have documentation showing payments were made and account management contradicts this reporting. This misinformation is harming my credit score and borrowing ability. Verification is required, and if unverifiable, the account must be deleted.

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Law / Issue : FCRA Section 611 Charge-off status must be verified ; inaccurate reporting is prohibited. 
Story : The reported charge-off is incorrect. I have evidence of payments and dispute communications that prove the account status differs from the reporting. Its presence is unfairly harming my credit profile. Verification or removal is required.

Inquiry : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Law / Issue : FCRA Section 604 ( a ) Unauthorized inquiries violate consumer rights and reporting accuracy requirements. 
Story : I did not authorize this inquiry. Its continued reporting is damaging my credit score and profile. Immediate deletion is requested. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief