Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
I am writing to file a formal complaint against Equifax for its continued failure to maintain accurate and verifiable information in my credit report. Despite my previous efforts to resolve these issues directly with Equifax, the agency has failed to conduct a proper investigation and continues to report incorrect and outdated information that is causing me significant harm. 

There is a false address listed on my credit reportXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXXwhich is not my current or previous residence. I have no affiliation with this address, and its inclusion raises serious concerns about the integrity and accuracy of the data being maintained under my file. This type of inaccuracy is a violation of the Fair Credit Reporting Act under section 1681e ( b ), which mandates credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Moreover, there are multiple accounts reported under my file that are either inaccurate, unverifiable, or do not belong to me. For instance, XXXX XXXX In account number XXXX shows a balance of {$490.00} and is marked with a late payment. This account was reportedly opened on XX/XX/XXXX, but I have no knowledge of ever conducting business with this company. XXXX XXXX account number XXXX is being reported as a charge-off with a balance of {$2500.00}, opened on XX/XX/XXXX. XXXX XXXX account number XXXX is listed with late payments and a balance of {$3800.00}, with an open date of XX/XX/XXXX. I am also seeing XXXX  account number XXXX reported as a charge-off with a balance of {$8400.00}, opened on XX/XX/XXXX, and XXXX XXXX  account number XXXX as a charge-off with a balance of {$11000.00}, opened on XX/XX/XXXX. XXXX XXXX account number XXXX is reported with a {$0.00} balance and marked as a charge-off, opened on XX/XX/XXXX. Lastly, XXXX account number XXXX is also showing as a charge-off with a {$0.00} balance, with the open date listed as XX/XX/XXXX. 

These accounts have been previously disputed with Equifax, and I have requested proper documentation and validation under the FCRA, specifically section 1681i ( a ) ( XXXX ) ( A ). However, no supporting evidence or original signed contracts have been provided to me. Reporting such accounts without proper verification is not only irresponsible but also unlawful under the Fair Credit Reporting Act. Furthermore, any account that can not be verified must be removed from my credit report as required by law.

Equifaxs continued failure to properly investigate these matters and correct or delete inaccurate items has caused me financial hardship, emotional distress, and difficulty obtaining credit and other necessary services. I urge the Consumer Financial Protection Bureau to take immediate action and hold Equifax accountable for its violations of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief