Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
I am filing this formal complaint against Equifax for continued failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, incomplete, and unverifiable personal information and account data on my consumer credit report. I have made multiple previous attempts to correct these errors directly with Equifax, but they have not conducted a reasonable investigation as required under 15 U.S.C. 1681i. 
Equifax is knowingly reporting the wrong address, as well as multiple accounts with inaccurate derogatory information such as charge-offs, collections, and late payments that do not belong to me or have reporting discrepancies. These errors are causing me emotional distress, financial harm, and have adversely impacted my creditworthiness. 
Details of Disputed Items : Incorrect Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Issue : This address is being falsely reported under my credit profile. I have never resided at this address. 
Violation : FCRA XXXX ( b ) Failure to maintain accurate and up-to-date information. 
Disputed Accounts with Issues & FCRA Violations : XXXX. XXXX XXXX Acct : XXXXXXXX XXXX  Status : Charge-Off Date Opened : XX/XX/XXXX Issue : This account has been charged off and is inaccurately being reported without proper investigation or documentation. 
Violation : FCRA 1681i Failure to investigate disputed information FCRA 1681e ( b ) Reporting inaccurate information XXXX. XXXX XXXX Acct : XXXXXXXX XXXX Status : Charge-Off High Balance : {$200.00} Date Opened : XX/XX/XXXX Issue : The charge-off status is incorrect. There is no record of delinquency or default under my authorization. 
Violation : FCRA 1681s-2 ( a ) Furnishing inaccurate information FCRA 1681b Lack of permissible purpose to report XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Status : Repeated Late Payments High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : The late payments reported are inconsistent and unverifiable. No proper documentation was provided despite request. 
Violation : FCRA 1681i Failure to reinvestigate disputed information FCRA 1681e ( a ) Lack of reasonable procedures to ensure maximum possible accuracy XXXX. XXXX XXXXXXXX XXXX Acct : XXXX Status : Late Payment High Balance : {$530.00} Date Opened : XX/XX/XXXX Issue : I dispute the reported delinquencies. No proof of late payments was provided. 
Violation : FCRA 1681e ( b ) Inaccurate information being reported FCRA 1681i No reasonable reinvestigation XXXX. XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Status : Charge-Off Date Opened : XX/XX/XXXX Issue : The charge-off is false, and I was not properly notified of the status. 
Violation : FCRA 1681c Obsolete and incorrect reporting FCRA 1681s-2 ( b ) Failure of data furnisher to correct and update XXXX. XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX Status : Collection High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : This debt is not mine. It appears to be fraudulently linked or erroneously reported. 
Violation : FCRA 1681b Lack of permissible purpose FCRA 1681e ( a ) Failure to verify debt ownership XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX  Status : Collection Date Opened : XX/XX/XXXX Issue : The collection account lacks supporting documentation, chain of custody, or debt validation. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting unverifiable or inaccurate information FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt upon request XXXX. XXXX, XXXX Acct : XXXXXXXX XXXX XXXX Status : Charge-Off Date Opened : XX/XX/XXXX Issue : This account does not belong to me. Equifax failed to investigate when disputed. 
Violation : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct timely reinvestigation FCRA 1681e ( b ) Inaccurate and misleading credit information XXXX. XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Status : Late Payments High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : These late payments are falsely reported. They do not reflect my payment history accurately. 
Violation : FCRA 1681s-2 Furnishing incorrect data after notice of dispute FCRA 1681c-2 Block of information resulting from identity theft or error Summary & Harm : I have suffered significant emotional and financial hardship due to these inaccuracies and Equifax 's refusal to correct them. I have been denied credit, charged higher interest rates, and faced unwarranted reputational damage as a result of this negligent reporting. 
Despite submitting disputes under 15 U.S.C. 1681i ( a ), Equifax has not corrected or removed these false items. Their failure to comply with federal law demonstrates willful neglect and entitles me to relief under 15 U.S.C. 1681n and 1681o, which includes statutory damages, actual damages, and attorney 's fees. 
Resolution Requested : XXXX. Immediate deletion of all incorrect and unverifiable accounts listed above. 
XXXX. Permanent removal of the incorrect address : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
XXXX. Full reinvestigation with documentation per FCRA 1681i. 
XXXX. Written confirmation of updates made to my credit file. 
XXXX. Compensation for damages caused by willful and negligent reporting practices.

Company response to consumer: Closed with non-monetary relief