Consumer complaint received 2025-10-21 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 filing this complaint against Equifax Information Services LLC for reporting multiple inaccurate, unverifiable, and misleading items on my credit report, which have severely damaged my credit reputation and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

After reviewing my Equifax credit report, I discovered several errors, including wrong addresses, charge-off accounts, collection accounts, and unauthorized inquiries. These items are not connected to me in any legitimate way. The information being reported is false, incomplete, and unverifiable, which directly violates FCRA Sections 602A, 607 ( b ), and 611 ( a ).

Equifax is currently reporting three addresses that I have never lived at or used for any purpose. These are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. These addresses are completely unrelated to my identity or residence history. Their appearance on my credit file is evidence of serious inaccuracies and data mismanagement. Under FCRA Section 607 ( b ), Equifax must maintain reasonable procedures to assure maximum possible accuracy of the information it reports. Maintaining false address data demonstrates a clear violation of this legal obligation, and I am demanding the immediate deletion of all three addresses from my credit report. 

In addition to these false addresses, my Equifax report lists charge-off accounts that I have no knowledge of, no records of ever opening, and no history of maintaining. The first is a XXXX  XXXX account number XXXX opened on XX/XX/XXXX, with a reported balance of {$740.00}. The second is a XXXX  XXXX XXXX  account number XXXX opened on XX/XX/XXXX, with a balance of {$460.00}. The third is a XXXX XXXX account number XXXX opened on XX/XX/XXXX, showing a balance of {$8700.00}. None of these accounts belong to me, and I have never signed or authorized any contract or credit relationship with these companies. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Additionally, FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know or should know is inaccurate. If these creditors can not produce verifiable proof such as an original signed application, payment history, or direct authorization Equifax must permanently delete these accounts in compliance with FCRA Section 611 ( a ) ( 5 ). Continuing to report unverifiable charge-offs is an ongoing violation of federal law and causes direct harm to my financial credibility. 

My credit report also shows collection accounts that are equally false and damaging. XXXX XXXX XXXX is reporting an account number XXXX, opened on XX/XX/XXXX, with a balance of {$700.00}. XXXX XXXX XXXX is reporting an account number XXXX, opened on XX/XX/XXXX, with a balance of {$2300.00}. I have never done business with either of these entities, nor have I received any notice or validation of debt from them. These accounts appear to have been reported without any legitimate verification. FCRA Section 602A establishes the right of every consumer to fair and accurate reporting, and FCRA Section 623 ( b ) requires furnishers to verify disputed information before continuing to report it. By failing to validate these accounts and allowing them to remain on my report, Equifax has violated my rights under these provisions. 

Additionally, my Equifax report contains unauthorized inquiries from XXXX XXXX XX/XX/XXXX, and XXXX  XXXX  dated XX/XX/XXXX. I never applied for credit with these companies, nor did I authorize them to access my credit report. Under FCRA Section 604 ( a ), no consumer report may be obtained without a permissible purpose. These inquiries were made without my consent and therefore constitute an illegal access of my personal credit file. Equifax is required to remove these inquiries immediately as part of its duty to ensure accuracy and consumer privacy under FCRA Section 607 ( b ). 

Despite my previous disputes and good-faith efforts to have these matters resolved directly with Equifax, the company has failed to correct or delete the inaccurate items. The reinvestigation process was neither reasonable nor supported by verifiable documentation, which violates the FCRAs investigation standards. Equifaxs continued reporting of these false accounts, unauthorized inquiries, and incorrect personal data demonstrates negligence and disregard for its statutory responsibilities under federal law. 

These errors have caused substantial harm to my credit score, financial opportunities, and personal reputation. I have been denied fair credit consideration and suffered unnecessary stress and hardship as a result of Equifaxs failure to maintain accurate reporting. 

I am requesting that the Consumer Financial Protection Bureau review this complaint and compel Equifax Information Services LLC to conduct a lawful reinvestigation of all disputed items under FCRA Section 611 ( a ). Each account and address must be verified through original documentation bearing my signature, or deleted entirely from my credit report. Equifax must also remove all unauthorized inquiries and update my credit file to reflect accurate, verified, and lawful information only. 

I am further requesting that the Bureau ensure Equifaxs compliance with FCRA Sections 602A, 607 ( b ), 611 ( a ), and 623 ( a ), and that the company be held accountable for its continued negligence in maintaining and reporting accurate consumer information. These actions are necessary to restore the accuracy, integrity, and fairness of my credit report and to ensure full compliance with the consumer protection standards established under 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with non-monetary relief