Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am submitting this formal complaint against Equifax for the continuous and unlawful reporting of inaccurate, outdated, unverifiable, and unauthorized information on my credit report. Equifax has violated several provisions under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and has caused me XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted disputes and requests for reinvestigation which were ignored or handled without reasonable procedures. Below are the detailed issues : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Issue : This account is inaccurately reporting late payments. I was never made aware of any delinquency and did not receive any bills or statements showing that I was late. Furthermore, I never received any validation from XXXX XXXX regarding these allegations. 
Law : FCRA XXXX ( Section XXXX ) requires a reasonable investigation following a dispute. FCRA XXXX ( b ) mandates maximum possible accuracy. Equifax has violated these by failing to validate the account or remove it after dispute. 
XXXX : This account has XXXX  my score significantly. Ive missed job opportunities and housing applications due to a single XXXX  mark I didnt know about. I trusted Equifax to maintain accurate records, but my good credit standing was XXXX  through no fault of mine. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reporting as charged-off although the balance is XXXX and the debt has long been resolved. There is no valid reason for a XXXX-XXXX  designation, which is XXXX and misleading. 
XXXX : FCRA XXXX ( b ) requires Equifax to follow reasonable procedures to ensure accuracy. Continuing to report a resolved account as charged-off is a violation. 
Story : I had finalized this account over XXXX years ago with a XXXX balance. The charge-off is incorrectly hurting my report and suggesting I defaulted, which I didnt. My efforts to fix this with Equifax have been ignored repeatedly. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Issue : This collection account is reporting incorrectly. I never opened a XXXX account matching this debt, and I have never received any verification or bill related to this alleged balance. 
Law : FDCPA XXXX ( XXXX XXXX. XXXX ) requires validation of debt. FCRA XXXX mandates investigation of disputed items. Reporting without verification is illegal. 
Story : I am not a XXXX customer. This could be a case of mixed file or identity theft, yet Equifax continues to report this collection even after I provided identity documents and proof of non-involvement. This is XXXX  and has caused XXXX  and rejection from lenders. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is being reported as XXXX-XXXX, although I never had an account with this creditor. I requested documentation to verify the debt but received nothing. 
XXXX : FCRA XXXX ( a ) ( XXXX ) gives me the right to know the source of the information. FCRA XXXX requires timely reinvestigation, which did not occur. 
Story : I never heard of XXXX/XXXX  until I saw it on my credit report. This account never belonged to me. I believe this is a case of mixed or merged files. Equifax has failed to correct this even after multiple disputes and ID verifications. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is showing past late payments which are either incorrect or duplicative. Ive maintained timely payments and have received no correspondence from the creditor indicating any delinquencies. 
Law : FCRA XXXX prohibits furnishing inaccurate information. FCRA XXXX requires dispute resolution and correction. 
Story : Ive always maintained my XXXX XXXX accounts responsibly. Seeing late payments show up out of nowhere was shocking and frustrating. These inaccuracies are not just errors they are barriers to my financial well-being. XXXX refusal to fix them feels XXXX  and unjust. 
XXXX XXXX Date : XX/XX/XXXX Issue : This XXXX  inquiry was made without my consent. I never authorized XXXX XXXX to access my credit on this date, and I did not submit any applications. 
XXXX : FCRA XXXX ( a ) ( XXXX ) only allows credit inquiries with a permissible purpose and consumer consent. Unauthorized inquiries are a breach of privacy. 
Story : I am very cautious about my credit. I didnt apply for anything on that date, and I feel violated that a XXXX  inquiry appeared. Equifax should not allow access to my credit file without confirming consent. This unauthorized pull XXXX  my score unnecessarily. 
Story : These addresses are not only wrong but dangerous they increase the risk of fraud, confuse lenders, and prevent me from securing financing and housing. My creditworthiness is unfairly judged because Equifax fails to remove these irrelevant and harmful entries. 
Conclusion : Equifax has failed to uphold its legal responsibilities under federal law. I have exercised my rights by disputing this information directly with Equifax, but their responses were inadequate and dismissive. These inaccuracies have caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request that the Consumer Financial Protection Bureau investigate Equifax for its negligent and unlawful conduct, compel it to remove or correct all inaccurate, unverifiable, or unauthorized information on my credit report, and ensure compliance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief