Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Sections 607, 611 Issue : I have never resided at this address, yet it is listed as part of my credit report. 
Story : Erroneously reporting this address misleads creditors and may impact my loan approvals or credit score. FCRA Section 611 ( a ) requires CRAs to conduct a reasonable investigation of disputed items. The continued reporting of this address indicates a failure to meet statutory obligations. I demand immediate correction or deletion. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Sections 607 ( a ), 611 ( a ) Issue : This address is falsely attributed to me. 
Story : Listing this address could suggest a residency history or financial obligation that is not mine. Under FCRA, all reported information must be accurate and verifiable. Retaining this inaccuracy without verification harms my credit integrity. I request removal unless verified with documentation proving association. 

Account : XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX High Credit : {$480.00} Law : FCRA Sections 607, 611, 623 ( a ) ( 8 ) Issue : This late payment is reported inaccurately. 
Story : I have never received proper statements or billing indicating a late payment. Reporting this false late payment is misleading, violates my right to accurate credit reporting, and negatively impacts my creditworthiness. Under FCRA Section 623, furnishers must report only complete and accurate information. I request verified documentation proving the alleged delinquency, and removal of this account until such verification is provided. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Law : FCRA Sections 607, 611 Issue : Duplicate or misreported charge-off account. 
Story : Reporting XXXX charge-offs for the same underlying account is misleading and inflates my debt obligations. FCRA Section 607 ( a ) requires accuracy, and Section 611 mandates reinvestigation of disputed information. I request immediate removal unless fully verified with documentation proving the separate accounts exist. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

Company response to consumer: Closed with non-monetary relief