Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am filing this complaint because Equifax has continuously reported inaccurate and harmful information on my credit report, despite my previous attempts to correct the errors. Ive done my partdisputing the false information, sending documentation, and waiting patiently for updatesbut Equifax has failed to uphold their responsibility under the Fair Credit Reporting Act. 

For example, they are still reporting XXXX addresses that I have no connection to whatsoever : XXXX XXXX XXXX XXXX XXXX in XXXX, SC, and XXXX XXXX XXXX in XXXX, SC. These are not my current or past residences, and I have never received or applied for credit while living at these locations. Keeping these addresses on my report is misleading and could easily confuse creditors or even associate me with accounts that are not mine. 

Furthermore, several accounts are being reported inaccurately as charge-offs or collections. XXXX such account is from XXXX XXXX, showing a charge-off of {$460.00}, which I believe was settled long ago or possibly never belonged to me. Also, multiple student loan accounts under the Department of Education are showing up as charged-off or with late payments, even though many of these were in deferment or forbearance due to the federal pause during COVID-19. This unfair reporting is damaging my credit score without justification. 

Equifax has also listed collection accounts from companies like XXXX XXXX and XXXX XXXX, with balances as high as {$1400.00} and {$940.00}. I have not received any proper validation of these debts. I was never contacted about them, and no written proof has been provided to show that these debts are mine. Yet, they continue to appear on my report, harming my ability to secure credit or even employment. 

To make things worse, Ive noticed several late payments reported on accounts that now show a {$0.00} balancelike XXXX and XXXXwhich makes no sense. How can an account that is closed or paid off still reflect ongoing late payments? It gives an unfair and inaccurate impression of my payment history. 

Additionally, there are inquiries from companies like XXXX that I never authorized. I never applied for credit with them, yet they pulled my credit twice in XX/XX/year>. This is not only frustrating, but also a clear violation of my privacy and the protections under the FCRA. 

I am emotionally and financially affected by these errors. My credit score has dropped significantly, and Ive been denied for credit cards, auto loans, and even rental applications. Equifaxs negligence has made everyday life unnecessarily difficult. 

I am asking the CFPB to step in and ensure that Equifax removes all inaccurate addresses, deletes unverifiable charge-offs and collection accounts, corrects the false late payments, and removes any unauthorized inquiries. I am simply asking for fairness and accuracy, and for Equifax to follow the law as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief