Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) for the repeated and willful failure to maintain accurate information on my credit report. Despite my prior disputes, Equifax has continued to report inaccurate personal information, erroneous and unverifiable accounts, incorrect account statuses, and unauthorized inquiries in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

INCORRECT ADDRESSES NEVER LIVED AT THESE LOCATIONS The following addresses are inaccurately listed on my credit report and must be immediately deleted as I have never resided at any of them : 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  Equifax is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
FCRA 611 ( a ) I have the right to dispute inaccurate information, and the CRA must conduct a reasonable investigation within 30 days.

DISPUTED ACCOUNTS WITH ERRORS OR VIOLATIONS 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Reported inaccurately. This account is unverifiable and may be outdated.

FCRA 605 ( a ) ( 4 ) Accounts placed for collection or charged off must not be reported longer than 7 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Reporting inaccuracies found. 
FCRA 607 ( b ) Maximum possible accuracy required in reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Issue : Charge Off Not verified and inaccurately listed. 
FCRA 611 ( a ) No reasonable investigation has been done despite my dispute. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Issue : Collection This appears to be a duplicate or re-aged account under a junk debt buyer. 
FCRA 605 ( a ) ( 4 ) & 15 U.S.C. 1692e ( FDCPA ) Misleading or re-aged debt violates the law. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} o Date Opened : XX/XX/XXXX o Issue : Collection No validation provided; debt is disputed and should be removed. 
FDCPA 809 ( b ) A consumer may request verification and the collector must cease collection until validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$720.00} XXXX Date Opened : XX/XX/XXXX o Issue : Late Payments reported inaccurately I never missed a payment or authorized such reporting. 
FCRA 607 ( b ) Reasonable procedures not followed by the CRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Issue : Charge Off Account not mine or inaccurately reported. 
FCRA 611 ( a ) I dispute this account and request proper investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$7100.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Account is either fraudulent or misreported. 
FCRA 609 ( a ) ( 1 ) Right to obtain all information in the file ; this account lacks full disclosure. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$10000.00} o Date Opened : XX/XX/XXXX o Issue : Late Payments Not authorized and no proof of delinquency provided. 
FCRA 611 ( a ) Failure to conduct an accurate reinvestigation. 
HARD INQUIRIES ( Unauthorized/Unverified ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FCRA 604 ( a ) ( 3 ) Permissible purpose is required for every inquiry. I did not authorize these inquiries.

FCRA 609 ( a ) ( 1 ) I have a right to know who has accessed my report and why.

SUMMARY OF FCRA VIOLATIONS Equifax has violated the following sections of the Fair Credit Reporting Act : 607 ( b ) Failing to maintain accuracy in the report.

611 ( a ) Failing to conduct a proper reinvestigation after disputes.

605 ( a ) Reporting obsolete information older than 7 years.

604 ( a ) ( 3 ) Allowing unauthorized access to my credit report.

609 ( a ) ( 1 ) Not disclosing complete account/inquiry data upon request.

RELIEF SOUGHT I respectfully request the following actions from Equifax through the CFPB : 1. Immediate deletion of the incorrect addresses listed above.

2. Removal of all accounts inaccurately or unverifiably reported.

3. Removal of all unauthorized hard inquiries.

4. A full reinvestigation of each disputed item with documentation.

5. Written confirmation of corrections made.

If Equifax fails to address these issues properly, I reserve the right to escalate this matter to the Federal Trade Commission ( FTC ) and pursue legal action.

Company response to consumer: Closed with non-monetary relief