Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to formally address serious issues I am experiencing with Equifax Information Services. Despite submitting a detailed dispute as part of my second-round efforts to correct my credit report, Equifax continues to report inaccurate and unverified data that is harming my credit standing. 

Specifically, Equifax is reporting an address, XXXX XXXX XXXX, XXXX, SC XXXX, which I have never lived at or used on any credit application. Ive notified them that this address does not belong to me and requested its removal. However, it remains on my credit file, creating confusion and raising concerns about potential file mixing. This is a direct violation of FCRA requirements to maintain accurate identifying information. 

In addition to the address issue, Equifax is also continuing to report multiple accounts that I have disputed and that have not been properly verified. These include : A XXXX account with account number ending in XXXX, which shows a high balance of {$2700.00} and reports late payments. I previously explained that these late payments were due to temporary financial hardship and that the creditor has not provided proper documentation to substantiate their continued reporting. 

An XXXX XXXX account with account number ending in XXXX, which reflects a balance of {$4100.00} and reported delinquencies. No documentation has been presented by Equifax or XXXX to prove the accuracy of these payment records. 

A XXXX XXXX XXXX collection account with account number ending in XXXX, listed with a balance of {$850.00}. I was never notified of this debt, nor was I given the opportunity to validate or dispute it as required under the FDCPA. 

I submitted a detailed dispute asking Equifax to verify or remove these accounts in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). To date, I have not received any proof that these accounts have been verified by the original furnishers. Nor has Equifax explained the method or documentation used to determine their continued reporting.

Equifax is in violation of multiple sections of the FCRA, including : Section 607 ( b ) : Requiring maximum possible accuracy of consumer credit information.

Section 609 ( a ) : Requiring disclosure of sources and documentation used to verify disputed items.

Section 611 ( a ) ( 5 ) ( A ) : Requiring deletion of information that can not be verified.

FDCPA Section 809 : Failure to provide debt validation prior to reporting collections.

These reporting failures are severely impacting my ability to secure credit, rent, and maintain financial health. Equifax has not performed a reasonable reinvestigation, nor have they honored their obligations under the law.

I am requesting the CFPBs intervention to hold Equifax accountable and ensure that : The inaccurate address is removed from my credit file.

All unverified accounts listed above are permanently deleted.

Equifax provides a full explanation of how these items were verified and what documentation was used.

Thank you for your time and for helping protect consumers from continued harm due to inaccurate and negligent credit reporting practices.

Company response to consumer: Closed with non-monetary relief