Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate, unverifiable, and misleading items on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), and 611 ( a ). Despite the law requiring Equifax to maintain maximum possible accuracy and conduct a reasonable reinvestigation within 30 days, these false entries continue to remain on my report and have caused significant harm to my creditworthiness and reputation. 

Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX, LA XXXX, which does not belong to me and has never been associated with my identity or residence. This false personal information violates FCRA 607 ( b ), which mandates that consumer reporting agencies maintain accurate and verified data. 

My credit report further contains multiple accounts that are either reported inaccurately or are completely unknown to me. The account XXXX XXXX XXXX is falsely showing a late payment, which is incorrect since I have always paid on time. The account XXXX, XXXX XXXX is also being reported with false late payment information that has never occurred and can not be verified. 

Equifax is also reporting the account XXXX XXXX XXXX as a charge-off, even though I have no knowledge of this account and have never opened or authorized it. Another account, XXXX XXXX XXXXXXXX XXXX XXXX, is also listed as a charge-off that I have no record or connection to. Both of these accounts are unverifiable and must be deleted in compliance with FCRA 611 ( a ) ( XXXX ). 

The account XXXX XXXX opened on XX/XX/XXXX, is showing an inaccurate late payment, while another account XXXX XXXX XXXX opened XXXX XX/XX/XXXX, is also reported with a false late payment. These duplicate and incorrect reports are damaging and misleading. 

Equifax is reporting XXXX XXXX as a charge-off even though I have no knowledge of this account. The account XXXX XXXX XXXX is also showing false late payment information, and XXXX  XXXX XXXX is being reported with late payments that never occurred. These are serious errors that must be corrected immediately. 

The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is listed as a charge-off, but I have no knowledge or connection to this account. The account XXXXXXXX XXXX XXXX XXXX  is also being reported as a charge-off that I have never held or authorized. Additionally, XXXX XXXX XXXX is reported as a collection account, which is entirely false and unverifiable. 

Finally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a false late payment, which is completely inaccurate and misleading. Each of these accounts represents a clear violation of FCRA 607 ( b ), as Equifax has failed to ensure the maximum possible accuracy of my file, and FCRA 611 ( a ), which requires a complete reinvestigation of disputed items within the required timeframe. 

Equifax has failed to correct these inaccuracies despite being notified in writing, demonstrating willful noncompliance under FCRA 616 and 617. This ongoing negligence has caused substantial financial and emotional harm, including reduced credit scores, credit denials, and unnecessary stress. 

I am requesting that the Consumer Financial Protection Bureau compel Equifax to conduct a full and lawful reinvestigation of my credit file, delete all unverifiable and inaccurate accounts, and provide me with written documentation confirming that these corrections have been made. I also request that Equifax be held accountable for its failure to comply with the Fair Credit Reporting Act and that appropriate enforcement action be taken to prevent further violations.

Company response to consumer: Closed with non-monetary relief