Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I am submitting this formal complaint against Equifax for failure to maintain accurate consumer reporting and for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax is reporting multiple inaccurate and unverifiable accounts, addresses, and inquiries on my credit report despite my previous disputes. These errors have caused me significant harm, including denial of credit, increased interest rates, and emotional distress. I have made good-faith attempts to have these issues corrected, but Equifax continues to ignore its legal obligations under FCRA 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Reasonable Procedures to Assure Maximum Possible Accuracy ), and 1681c ( Reporting of Obsolete Information ). 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address I have never lived at or used this address in any financial transaction. Reporting this address violates FCRA 1681e ( b ) as Equifax failed to maintain reasonable procedures to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This is another inaccurate address that is damaging my profile. Continued reporting of this address is a violation of FCRA 1681c and 1681e ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Late Payment This mortgage account is inaccurately reporting late payments which I dispute. I was under a financial hardship and timely communicated with the servicer. Equifax failed to conduct a reasonable investigation in violation of FCRA 1681i and continued reporting this derogatory item despite factual disputes and documentation provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This charge-off is inaccurate and unverifiable. The account should not reflect a charge-off when the balance is {$0.00}. This is misleading and violates FCRA 1681e ( b ) and 1681s-2 ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$980.00} Charge Off This account was never authorized by me. I submitted disputes to Equifax with identity verification, but no proper reinvestigation was done, violating FCRA 1681i. The continued presence of this charge-off is damaging and unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} Collection This collection account is not valid. I have no record or contract with this company. Equifax has continued to report this without verifying ownership, violating FCRA 1681i and 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Collection This is another invalid and unauthorized collection reporting that Equifax has allowed to remain without proper verification or investigation. This is a violation of FCRA 1681i and 1681s-2 ( b ). 
XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was unauthorized. I did not apply for credit with this company. Under FCRA 1681b ( c ), a consumer reporting agency may not furnish a consumer report in connection with any credit transaction not initiated by the consumer. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was pulled without my knowledge or consent. It is a violation of FCRA 1681b. 
XXXX XX/XX/XXXX Inquiry This unauthorized hard pull further violates my rights. I did not initiate a credit request with this entity. 
XXXX XXXXXX/XX/XXXX Inquiry Unapproved and unauthorized credit pull. No permissible purpose. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is damaging my credit score and was not authorized. 
XXXX XX/XX/XXXX Inquiry I never applied for any loan or vehicle financing with XXXX. This inquiry should not exist. 
XXXX XX/XX/XXXX XXXX This inquiry appears without my consent and is harming my consumer profile. 
XXXX XX/XX/XXXX Inquiry I did not authorize this credit check. This is a direct violation of FCRA 1681b. 
Equifax has continuously failed to correct inaccurate data and has not fulfilled its duty under FCRA 1681i to conduct timely and reasonable investigations of disputed information. I demand immediate deletion of all the inaccurate addresses, accounts, and inquiries listed above. I request the Consumer Financial Protection Bureau to investigate Equifaxs negligent and willful noncompliance with federal law. I seek full removal of all inaccurate items, a complete reinvestigation, and appropriate enforcement actions against Equifax for violating my rights under federal law.

Company response to consumer: Closed with non-monetary relief