Consumer complaint received 2025-08-16 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 submitting this complaint against Equifax because they have continued to report inaccurate and damaging information on my credit report despite my repeated disputes and requests for proper reinvestigation. The Fair Credit Reporting Act ( FCRA ) under Section 607 ( b ), 611 ( a ), and 609 requires Equifax to ensure maximum possible accuracy of consumer information, conduct reasonable reinvestigations, and provide full disclosure of information being reported. Unfortunately, Equifax has failed in its legal duty, and as a result, my creditworthiness and financial stability have been severely harmed.

Equifax is reporting several addresses that do not belong to me, including XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. These addresses are completely inaccurate, and their continued presence creates confusion about my identity. FCRA 607 ( b ) clearly states that a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy, yet Equifax has allowed these false addresses to remain even after I disputed them. 

Equifax is also reporting inaccurate account information, such as a XXXX XXXX account opened on XX/XX/XXXX with a balance of {$480.00} being listed as a charge-off. This is being reported in a manner that is incomplete and misleading. Additionally, multiple Department of Education/XXXX accounts ( XXXX opened XX/XX/XXXX with a balance of {$1600.00}, XXXX opened XX/XX/XXXX with a balance of {$3500.00}, XXXX opened XX/XX/XXXX with a balance of {$4000.00}, and XXXX opened XX/XX/XXXX with a balance of {$1000.00} ) are being shown with late payments that are inaccurate and do not reflect my actual payment history. These errors are violations of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

Other accounts such as XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1100.00}, XXXX opened on XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$730.00}, and XXXX opened on XX/XX/XXXX with a balance of {$1500.00} are being reported as charge-offs, but the reporting is not consistent with the records I have. Likewise, XXXX XXXX opened on XX/XX/XXXX with a balance of {$430.00} is being reported as a collection, which is inaccurate and misleading. These errors again violate FCRA 607 ( b ) and 623 ( b ), which require proper verification and accuracy.

In addition to these inaccurate accounts, Equifax is also reporting multiple hard inquiries that I never authorized, including inquiries from XXXX  on XXXX XXXX XXXX on XX/XX/XXXX, XXXX # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX on XX/XX/XXXX. These inquiries are unauthorized and should have been removed once I disputed them. FCRA Section 604 clearly outlines permissible purposes for credit inquiries, and none of these companies had my consent to access my file. Equifaxs failure to delete these unauthorized inquiries after my dispute shows a violation of FCRA 611, as they did not conduct a proper reinvestigation.

Because of these repeated failures by Equifax, I have suffered harm in the form of credit denials, higher interest rates, and XXXX XXXX  caused by the ongoing misrepresentation of my creditworthiness. I have followed proper dispute procedures by sending Equifax notice of these inaccuracies, yet they continue to allow these damaging errors to remain. Their actions are in direct violation of FCRA Sections 607 ( b ), 609, 611, and 623, which require accuracy, full disclosure, and proper reinvestigation of consumer disputes.

I am requesting the CFPB to investigate Equifaxs mishandling of my disputes and enforce compliance with federal law. I want all inaccurate addresses, accounts, and unauthorized inquiries permanently deleted from my credit file, and I want Equifax held accountable for their repeated violations of my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief