Consumer complaint received 2025-06-20 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:
To Whom It May Concern, I am submitting this formal complaint against Equifax for failure to accurately report, verify, and correct several items on my credit report, despite my repeated attempts. I believe Equifax has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by reporting accounts and personal information that are inaccurate, unverifiable, and not mine. Below is a detailed account of my grievances : 1. Inaccurate Personal Information ( Wrong Addresses ) Equifax is reporting multiple incorrect addresses that are not affiliated with me in any legal or residential capacity. I have never resided at or used the following addresses : XXXXXXXX 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 Violation of FCRA 1681e ( b ) Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of consumer information. Reporting these addresses, without verification or validation, reflects a failure to comply with that standard. 
2. Inaccurate or Unverified Accounts XXXX XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/2024 Issue : Late Payment ( Inaccurate ) I dispute the accuracy of this account. I do not recall authorizing such an account, and the reported late payment is unverified and unvalidated. 
Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Upon notice of dispute, the credit bureau must conduct a reasonable investigation. Equifax has failed to properly verify this tradeline despite my prior disputes.

Violation of FCRA 1681e ( b ) This late payment harms my score and is reported without full accuracy or validation. 
Unknown Collection Account Account # XXXX High Balance : {$600.00} Date Opened : XX/XX/2024 Issue : Collection Account ( Not Mine ) I have no knowledge or relationship with this debt. Equifax has failed to provide any original creditor information, validation notice, or any proof of my responsibility for this debt. 
Violation of FCRA 1681b Furnishing a collection account without permissible purpose is a serious violation.

Violation of FCRA 1681i Failing to properly investigate and verify after dispute.

Violation of FDCPA 809 ( 15 USC 1692g ) Failure to validate debt, if provided by debt collector. 
XXXX. XXXX Inquiries XXXX  XXXX XXXX on XX/XX/2024 I did not authorize or initiate this inquiry. There is no permissible purpose for this hard pull. 
Violation of FCRA 1681b ( c ) Consumer reporting agencies must ensure a hard inquiry is backed by a legitimate consumer-initiated request for credit. Equifax failed to validate this pull. 
Background XXXX / XXXX Despite multiple attempts to have these errors corrected through Equifaxs dispute system, I have received generic responses or no correction at all. These actions have caused severe damage to my creditworthiness, resulting in denial of credit, higher interest rates, and emotional distress. 
These issues demonstrate that Equifax is failing in its obligation to maintain accurate records and perform proper reinvestigations as required by the FCRA. The continued reporting of these inaccurate items despite proper notice is reckless, harmful, and unlawful. 
Requested Resolution : 1. XXXX deletion of all inaccurate addresses listed above. 
2. Deletion of the disputed accounts listed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX o Unknown Collection Account XXXXXXXX XXXX XXXX 3. Removal of unauthorized XXXX  inquiry ( XX/XX/2024 ). 
4. A detailed explanation of all actions taken and proof of investigation.

5. Full compliance with FCRA and applicable federal laws. 
Supporting Laws Cited : FCRA 1681e ( b ) Duty to assure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information FCRA 1681b ( c ) Permissible purpose for credit inquiries FDCPA 809 / 15 USC 1692g Debt collectors validation requirement ( if applicable ) Please take this matter seriously. I am prepared to escalate this through the FTC, Attorney XXXX XXXX, and pursue legal counsel under the FCRA private right of action for damages, if this is not resolved promptly.

Company response to consumer: Closed with non-monetary relief