Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this formal complaint against Equifax for reporting multiple inaccurate items on my credit file, including false addresses, accounts with wrong information, charge-offs, collections, and late payments that do not belong to me or are reported inaccurately. I have disputed these items with Equifax, but they have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Additionally, some of these accounts fall under the Fair Debt Collection Practices Act ( FDCPA ) and are being inaccurately furnished by third-party debt collectors in violation of 15 U.S. Code 1692e ( false or misleading representations ). I respectfully request the CFPB to intervene and compel Equifax to delete or correct the items listed below. 
XXXX XXXX  XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never resided at this address. This is a serious violation of FCRA 15 U.S. Code 1681e ( b ), which requires Equifax to maintain accurate information. The reporting of an unknown address can be a sign of identity theft or file merging. I have notified Equifax to delete this fraudulent address, but they continue to report it. This inaccurate reporting has negatively impacted my creditworthiness and caused emotional and financial harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$1600.00} Issue : This account has been inaccurately reported as a charge-off despite multiple dispute attempts. FCRA 1681s-2 ( b ) requires furnishers to conduct proper reinvestigation once a dispute is filed. The account is not mine, and I have requested validation, which was never provided. This failure has caused damage to my credit profile. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$1900.00} Issue : Reported as a charge-off in error. I have disputed this with no proper verification or validation provided. FCRA 1681i and FDCPA 809 ( a ) require the debt to be verified before continued reporting. Equifax has failed in their reinvestigation duty. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$3600.00} Issue : Inaccurate charge-off status ; this account is being misreported. There was no notice of default, no validation, and the debt has not been proven. Equifax is reporting without factual basis, violating FCRA 1681e ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$2700.00} Issue : Inaccurate late payments reported that are not reflective of my payment history. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate data. This error is seriously affecting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$510.00} Issue : Inaccurate and unverifiable late payment. I demanded proof which was never furnished. Under FCRA 1681i, a reinvestigation must be done, which Equifax failed to do. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$2400.00} Issue : This account is inaccurately reflecting late payments. No statement, invoice, or evidence was sent validating these claims. Equifax failed to ensure accuracy in accordance with 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$4500.00} Issue : Incorrectly reported charge-off with no validation. Violates both FCRA 1681i and FDCPA 809 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$5800.00} Issue : False charge-off status reported with no consumer notification or validation of debt. This is a deceptive collection tactic, violating FDCPA 807. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$7500.00} Issue : Account listed as a charge-off despite my disputes and demands for investigation. Equifax has failed their responsibility under 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$53000.00} Issue : Massive charge-off balance reported incorrectly, with no documentation or proper investigation. This is negligent and malicious reporting under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : XXXX XXXX XXXX  Issue : False and unverifiable charge-off. No validation, no debt agreement presented. Continued reporting without basis violates FCRA and FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$2100.00} Issue : Inaccurate charge-off with no verification. Disputed multiple times without response. This violates 1681i and 1692g of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$1300.00} Issue : False charge-off status reported. This account is not mine. Reporting such erroneous information after disputes is a direct violation of 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$30000.00} Issue : False late payments reported that I never missed. This has a significant effect on my credit. Equifax has failed to properly verify the data. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$44000.00} Issue : Reporting of late payments without proof of delinquency. Under 1681s-2, accurate furnishing is required. This is a breach of that legal duty. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$21000.00} Issue : Wrongfully listed late payments, even though payments were made on time. Equifax failed to validate the data as per 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$680.00} Issue : Collection account with no validation, no notice, and no verification. Under FDCPA 809 ( b ), a debt collector must validate debt. Equifax is enabling false collection entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Collection High Balance : {$5300.00} Issue : Collection account not mine, disputed but still reporting. No documentation received. Violates FCRA and FDCPA. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$3400.00} Issue : This debt is not mine and was never validated. Reporting it despite my dispute request violates FDCPA 807 and FCRA 1681i. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$2100.00} Issue : Debt reported without any proof or agreement. This is misleading and unlawful. FCRA 1681e ( b ) requires the reporting of accurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$21000.00} Issue : Duplicate and inaccurate reporting of late payments already addressed above. This duplication further damages my credit score and violates FCRA 1681s-2 ( a ). 
In summary, Equifax has continued to report inaccurate information despite my repeated disputes and requests for investigation. Their failure to correct these issues reflects gross negligence and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These errors have caused me mental distress, loss of financial opportunities, denial of credit, and reputational damage. I respectfully ask the CFPB to intervene, investigate Equifax, and ensure that all of the above inaccuracies are either corrected or permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief