Consumer complaint received 2025-11-01 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 formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ). My Equifax credit report contains numerous false, inaccurate, and unverifiable entries that have seriously damaged my credit profile and violated my rights as a consumer. Equifax has failed to ensure maximum possible accuracy in reporting, as required under FCRA 607 ( b ), and continues to report incorrect data even after being made aware of these errors. 

Equifax is currently reporting personal information that is entirely inaccurate and unrelated to me. The addresses XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX do not belong to me and have no connection to my personal or financial history. Their inclusion represents a major breach of data accuracy and due diligence. 

Additionally, Equifax has reported multiple accounts as having late payments when I have never made any late payments on these accounts. These late payment notations are false, damaging, and completely unverified. The inaccurate accounts include XXXX XXXX XXXX * * * * * * Date Opened XX/XX/XXXX Balance Owed {$150.00}, XXXX XXXX XXXX * * * Date Opened XX/XX/XXXX Balance Owed {$20000.00}, XXXX XXXXXXXX * * * Date Opened XX/XX/XXXX Balance Owed {$1200.00}, XXXX XXXXXXXX * * * * Date Opened XX/XX/XXXX Balance Owed {$2500.00}, XXXX XXXX XXXX * Date Opened XX/XX/XXXX Balance Owed {$11000.00}, XXXX XXXX XXXX * XXXX XXXX * Date Opened XX/XX/XXXX Balance Owed {$6500.00}, XXXX XXXX XXXX * * Date XXXX XX/XX/XXXX Balance Owed {$8700.00}, XXXX XXXX XXXX * * * * * XXXX XXXX * Date Opened XX/XX/XXXX Balance Owed {$3200.00}, XXXX  XXXX * Date Opened XX/XX/XXXX Balance Owed {$6800.00}, XXXX  XXXX * Date Opened XX/XX/XXXX Balance Owed {$12000.00}, XXXX XXXX XXXX * * * * * * Date XXXX XX/XX/XXXX Balance Owed {$13000.00}, XXXX XXXX XXXX * Date Reported XX/XX/XXXX Balance Owed {$7600.00}, XXXX XXXX XXXX * Date Opened XX/XX/XXXX Balance Owed {$4300.00}, XXXX XXXX XXXX * * * * Date Opened XX/XX/XXXX Balance Owed {$6600.00}, XXXX XXXX XXXX * * Date Opened XX/XX/XXXX Balance Owed {$12000.00}, XXXX XXXX XXXX * * XXXX XXXX XX/XX/XXXX Balance Owed {$7500.00}, XXXX XXXX XXXX * Date Opened XX/XX/XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX * * Date Opened XX/XX/XXXX Balance Owed {$21000.00}, and XXXX XXXX XXXX * Date Opened XX/XX/XXXX Balance Owed {$12000.00} XXXX These entries are being reported with false delinquency notations, and Equifax has failed to verify their accuracy with the original creditors, as required by FCRA 611 ( a ) ( 5 ) ( A ). The reporting of such false and unverified derogatory information is a clear act of negligence and noncompliance.

Furthermore, Equifax is reporting collection accounts that I have no knowledge of and no connection to. These accounts are fraudulent, unauthorized, or simply erroneous, and there is no valid documentation to justify their presence on my credit file. The accounts are XXXX XXXX XXXXXXXX * * Date Opened XX/XX/XXXX Balance Owed {$94.00} and XXXX XXXX XXXXXXXX * * Date Opened XX/XX/XXXX Balance Owed {$64.00}. I have never entered into any agreement or contract with these entities, and the continued reporting of such unverifiable data constitutes a serious violation of FCRA 623 ( b ).

Additionally, Equifax has allowed an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX to remain on my credit report. I did not authorize this inquiry, and its presence represents a breach of my privacy under FCRA 604 ( a ). The companys failure to remove unauthorized inquiries demonstrates inadequate internal controls and disregard for consumer data integrity. 

Despite the clear inaccuracies and my right to a full reinvestigation, Equifax has continued to publish and share these false records with third parties. The continued reporting of unverifiable, inaccurate, and unauthorized information has caused substantial harm to my credit score, reputation, and financial standing. This conduct shows willful disregard for the obligations imposed under federal law, including FCRA 607 ( b ), 611 ( a ), and 623 ( b ). 

I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into Equifaxs handling of my credit report and its failure to meet the accuracy and reinvestigation standards required by law. Equifax must be held accountable for its pattern of negligence and its ongoing failure to verify or delete false information from consumer files. 

As a fair and lawful resolution to this issue, I am requesting that all inaccurate and unverifiable data be permanently deleted from my Equifax credit file. This includes the removal of the false addresses, all accounts falsely reported as late, the collection accounts that do not belong to me, and the unauthorized inquiry. I also request that Equifax issue a corrected credit report reflecting these deletions and provide written documentation confirming the corrective actions taken. 

This complaint is being filed in good faith and supported by factual information. I am seeking a fair and just resolution consistent with my rights under the Fair Credit Reporting Act. I expect the Bureau to ensure that Equifax complies fully with federal law and corrects all violations immediately.

Company response to consumer: Closed with non-monetary relief