Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I am filing this formal complaint against Equifax for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically involving inaccurate and outdated information being reported on my credit report. Despite my efforts to have these inaccuracies corrected through proper dispute procedures, Equifax has continued to negligently report false and misleading data, causing me significant XXXX I demand immediate correction and investigation in compliance with federal law. 
XXXX XXXX XXXX XXXX, PA XXXX Issue : This address is inaccurate and has never been associated with me in any capacity. I have never lived at or had any legal or financial connection to this address. The continued reporting of this address is a clear violation of my privacy and indicates severe negligence on the part of Equifax in verifying consumer data. 
XXXX XXXX : FCRA Section XXXX ( b ) ( XXXX XXXX XXXX XXXX ( b ) ) Failure to maintain maximum possible accuracy. 
FCRA Section XXXX ( a ) ( XXXX XXXX XXXX XXXX ) Failure to reinvestigate disputed information. 
XXXX XXXX CT XXXX XXXX XXXX, PA XXXX Issue : This address is also fraudulent and never belonged to me. Its presence on my report is damaging and misleading, suggesting fraudulent activity or identity theft. I have notified Equifax previously but they failed to act responsibly. 
XXXX XXXX : FCRA Section XXXX ( b ) Outlines the time limits for reporting outdated address information. 
FCRA Section XXXX ( a ) Failure to investigate and remove disputed, unverifiable information. 
XXXX XXXX XXXX * Date Opened : XX/XX/year> Balance : {$230.00} Status : Late Payment * * Issue : This account is being falsely reported with late payments which are inaccurate and unjustified. I have never received any billing notice or warning regarding delinquency, and my records show that I made all payments as agreed. Equifax has failed to validate the reported delinquencies upon my dispute. This has caused severe credit score damage, loan denials, increased interest rates, and emotional distress. 
XXXX XXXX : FCRA Section XXXX ( b ) Duty to maintain accurate data. 
FCRA Section XXXX ( a ) Reinvestigation requirement when a consumer disputes data. 
FCRA Section XXXX ( A ) Promotes fairness, accuracy, and the protection of consumer privacy. 
XXXX & XXXX XXXX : The inaccurate reporting of false addresses and a wrongful late payment account are violations of my rights under the FCRA. These errors have harmed my financial credibility, caused me to be denied for essential credit and housing, increased my borrowing costs, and damaged my reputation. Equifax has displayed a willful disregard of its responsibilities under federal law, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate enforcement action against Equifax for these clear violations. 
I am requesting : XXXX deletion of all inaccurate addresses Full reinvestigation of the XXXX account XXXX verification Written confirmation of XXXX XXXX and statutory damages where applicable Thank you for your assistance in resolving these violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief