Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
b'To Whom It May Concern\nI am filing a formal CFPB complaint against Equifax Information Services LLC for multiple, repeated violations of the Fair Credit Reporting Act (FCRA) and for the negligent and damaging reporting of inaccurate information on my credit file I have disputed these inaccuracies directly with Equifax but they have failed to conduct a proper investigation or correct the errors which is a violation of FCRA 15 USC  1681i I am now forced to escalate my complaint through the Consumer Financial Protection Bureau to demand immediate correction of the following errors including fraudulent addresses and derogatory tradelines which do not belong to me or are misreported\nThe following addresses are not mine and were never associated with me they are fraudulently listed on my credit file and should be permanently removed under FCRA 15 USC  1681e(b) and  1681i(a):\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese addresses are completely inaccurate and the inclusion of these addresses constitutes gross negligence Equifax failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of the credit report as required by FCRA 15 USC  1681e(b)\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting late payments that are not accurate I have submitted proof of timely payments yet Equifax failed to reasonably investigate and correct this violation which breaches FCRA 15 USC  1681i(a) and  1681s-2(b) This continued misreporting has damaged my credit score and ability to secure housing and credit and must be resolved immediately\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This account is being reported as a charge-off which is false I have never defaulted on this account and have made numerous attempts to have this corrected with no proper reinvestigation Equifax is in violation of FCRA 15 USC  1681i and  1681e(b) and has caused irreparable harm to my credit profile\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   Incorrect charge-off status reporting I have already disputed this account and provided supporting documentation but Equifax refused to correct the report under FCRA 15 USC  1681i This negligence is unacceptable and unlawful\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX This charge-off status is inaccurate and has been disputed previously without any proper investigation from Equifax again violating 15 USC  1681i(a)XXXX XXXX XXXX XXXX XXXX XXXX  High XXXX XXXX XXXX XXXX XXXX  This account is not mine and is being fraudulently reported as a charge-off This is identity theft and Equifax is obligated under FCRA 15 USC  1681c-2(a) to block fraudulent information within four business days yet they continue to include it causing significant harm\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This account is falsely showing late payments and negatively impacting my credit I submitted direct proof to Equifax yet they did not correct the error which is a direct violation of FCRA 15 USC  1681s-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This tradeline also shows inaccurate late payments and no proper dispute reinvestigation was performed violating FCRA 15 USC  1681i and  1681e(b)\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again Equifax is falsely reporting late payments which were never missed Ive provided evidence and Equifax failed to update the account as required by law\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off is false and I am not responsible for this account The continued reporting constitutes willful negligence under FCRA 15 USC  1681n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This is a collection account tied to a debt I do not owe Equifax has failed to validate the debt or remove it under my prior dispute obligations under FCRA 15 USC  1692g and  1681i\XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   This is an inaccurate and invalid collection account Equifax is reporting it despite my disputes and requests for validation which were ignored This violates both FCRA 15 USC  1681s-2 and FDCPA requirements\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an invalid collection and I am not liable for it I have never had an account with XXXX XXXX yet Equifax continues to report this without any investigation or validation in breach of FCRA 15 USC  1681b and  1681i\nThe following hard inquiries are being reported inaccurately and were never authorized by me or are outdated Equifax is required to ensure permissible purpose under FCRA 15 USC  1681b(c)(1) and cannot retain hard inquiries indefinitely that do not meet legal purpose\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified inquiry\nXXXX XXXX XXXX  Fraudulent inquiry\nXXXX XXXX XXXX XXXX XXXXXXXX   Unauthorized pull\nEquifax failed to delete or verify these inquiries despite dispute letters which is a clear violation of FCRA 15 USC  1681b and  1681c\nEquifax has repeatedly failed to uphold its legal obligation under the Fair Credit Reporting Act by refusing to conduct reasonable investigations inaccurate reporting of false addresses improper reporting of tradelines and failing to remove unverifiable information I have experienced severe emotional distress financial hardship and denial of housing and credit due to these negligent actions I am requesting that the CFPB enforce Equifaxs compliance with the law and direct immediate removal and correction of all inaccurate items listed in this complaint and hold Equifax liable under FCRA 15 USC  1681n and  1681o for willful and negligent noncompliance'

Company response to consumer: Closed with non-monetary relief