Consumer complaint received 2025-07-04 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 filing this complaint due to Equifaxs continued and willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to inaccurate address reporting, erroneous account status, charge-offs, collections, and late payments that do not belong to me or are being reported without proper verification or investigation despite multiple disputes and ongoing CFPB activity Equifax has reported the following inaccurate or fraudulent addresses on my credit report, which are not associated with me and are damaging my credit profile and exposing me to potential identity theft risks this violates FCRA XXXX, XXXX ( b ), and 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 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 XXXXXXXX XXXX address Inaccurate reporting Violation of FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy Violation of FCRA 611 ( a ) Failure to reinvestigate and correct after dispute Violation of FCRA 605 ( b ) Inclusion of obsolete/inaccurate information The following accounts are reported incorrectly, either in status, balance, or they are not mine Equifax has failed to conduct proper investigations and continues to report these derogatory tradelines unlawfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Status : Charge Off This is not my account and I never authorized or signed for this credit line yet Equifax is reporting it with a charge-off damaging my credit FCRA Violation 605 ( a ), 609 ( a ) ( 1 ), 611 ( a ) Reporting inaccurate tradeline without permissible purpose or verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$840.00} Status : Late Payment Late payment history is being reported inaccurately I made on-time payments or the information was not validated properly FCRA Violation 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 611 ( a ) Failure to correct after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1600.00} Status : Late Payment This account continues to report late payments that were never made late and Equifax refuses to validate original payment history FCRA XXXX ( XXXX ), XXXX ( a ), XXXX ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00} Status : Late Payment This is either not my account or the payment history is flawed I demand documentation that supports this tradeline FCRA 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( D ), 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Status : Late Payment This large loan amount was never authorized by me nor was it paid late proper investigation was never conducted Violation of 602 ( a ), 607 ( b ), 623 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Status : Charge Off Not my account and Equifax is in violation by not removing this account after dispute this is potentially identity theft FCRA 611 ( a ) ( 5 ), 605 ( a ), 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} Status : Collection I have never had any business with this agency or the original creditor this is an erroneous and damaging collection FCRA 623 ( b ), 607 ( b ), 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} Status : Collection This is a false and harmful entry no validation of debt has been provided Equifax has failed to remove it FCRA 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$390.00} Status : Charge Off Never had an account with this company and no authorization or agreement exists yet Equifax continues to report it FCRA 605 ( a ) , 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) I request immediate investigation, deletion, and permanent suppression of all erroneous addresses, fraudulent accounts, and unverifiable tradelines. Equifax has failed to comply with the FCRAs requirement to maintain accurate records and to correct errors when notified. I demand action under CFPB authority to enforce compliance and impose penalties if necessary. Supporting evidence including identity documents, proof of current address, prior disputes, and screenshots of the credit report will be uploaded with this complaint.

Company response to consumer: Closed with non-monetary relief