Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple inaccurate, misleading, duplicate, and unverifiable items in my credit file. These errors directly violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy and to delete unverifiable information when disputed. Despite these protections, Equifax continues to report information that is false, conflicting, and harmful to my financial life.

My credit report contains addresses that do not belong to me, including XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at these addresses, and their appearance on my report is misleading and inaccurate. These false addresses suggest fraudulent activity or multiple identities, which creates confusion for creditors and violates FCRA accuracy requirements.

Equifax is also reporting numerous tradelines with late payments that are inaccurate, conflicting, and unverifiable. This includes XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$5700.00}, XXXX XXXX XXXX XXXX XXXX XXXX with conflicting balances of {$10000.00} and {$6100.00}, XXXX XXXX XXXX XXXX XXXX XXXX with {$4500.00}, XXXX XXXX XXXX XXXX XXXX XXXX  with {$2300.00} reported multiple times, XXXX XXXX XXXX XXXX XXXX XXXX  with conflicting balances of {$6100.00} and {$9800.00}, XXXX XXXX XXXX XXXX  with {$2900.00}, and XXXX XXXX XXXX XXXX XXXX XXXX with {$1200.00}. There is also XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a XXXX balance still being reported as late. These duplications and conflicting balances misrepresent my credit history, inflate derogatory reporting, and violate FCRA 1681e ( b ), which requires maximum possible accuracy.

Equifax has also reported multiple charge-offs and collections without validation or proof of ownership. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX  with {$1700.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a XXXX balance still listed as a charge-off, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$230.00}. Reporting charge-offs with conflicting balances, reporting charge-offs with XXXX balances, and failing to validate ownership of debt are all violations of the Fair Credit Reporting Act. These accounts remain unverifiable and should have been deleted under FCRA 1681i ( a ).

The presence of these false addresses, inaccurate late payments, duplicate tradelines, conflicting balances, and unvalidated charge-offs has caused me severe financial harm, including credit denials, higher interest rates, and damage to my personal and professional reputation. The law is clear that Equifax can not continue to report unverifiable information, yet despite my disputes, these items remain.

I am requesting that the Consumer Financial Protection Bureau intervene to hold Equifax accountable for its violations of the Fair Credit Reporting Act, require them to delete or correct all of the inaccurate and unverifiable items listed above, and ensure that Equifax complies with federal law going forward. These ongoing violations are causing daily harm to my credit and financial opportunities and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief