Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Equifax for maintaining and reporting inaccurate, unverifiable, and harmful information on my credit report. As a consumer, I am entitled to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ), but Equifax has failed in its duty to maintain maximum possible accuracy as required by FCRA 607 ( b ). I have disputed these items directly, yet they remain on my file, continuing to harm me. 

Equifax is reporting multiple wrong addresses that have never belonged to me, including 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. I have never lived at or been associated with these addresses in any way. Reporting them creates serious confusion about my identity, exposes me to risks of fraud, and violates the accuracy standards required under FCRA 607 ( b ) and FCRA 611. 

Equifax is also reporting several charge-off accounts that I have no knowledge of, including XXXX XXXX XXXX ( account ending XXXX, balance {$320.00} ), XXXX XXXX XXXX XXXX account ending XXXX, balance {$11000.00} ), XXXX XXXX XXXX  XXXX account ending XXXX, showing {$0.00} but listed as charge-off ), XXXX ( account ending XXXX, balance {$4900.00} ), XXXX XXXX XXXX ( account XXXX XXXX, showing {$0.00} but listed as charge-off ), XXXX XXXX XXXX ( account ending XXXX, showing {$0.00} but listed as charge-off ), and XXXX XXXX ( account ending XXXX, showing {$0.00} but listed as charge-off ). Reporting debts I do not recognize and can not be verified violates FCRA 611, which requires deletion of unverifiable information, as well as FDCPA 1692e, which prohibits false or misleading reporting of debt. 

In addition, Equifax is reporting late payment history for accounts that I have always paid on time, including XXXX XXXX XXXX XXXX ( accounts ending XXXX and XXXX ) and XXXX  ( account ending XXXX ). These late payments are completely false, and their inclusion violates FCRA 607 ( b ), which requires that payment history be accurate and not misleading. 

There are also multiple collection accounts that I have no knowledge of and did not authorize, including XXXX XXXX ( account ending XXXX, balance {$1900.00} ), XXXX XXXX XXXX  XXXX ( account ending XXXX, balance {$140.00} ), XXXX XXXX XXXX XXXX ( account ending XXXX, balance {$3400.00} ), XXXX XXXX XXXX ( account ending XXXX and account ending XXXX, each showing balance {$1000.00} ), XXXX XXXX XXXX ( account ending XXXX, balance {$1400.00} ), XXXX XXXX XXXX ( account ending XXXX, showing {$0.00} balance ), and XXXX XXXX ( account ending XXXX, balance {$110.00} ). These debts are not mine, and by reporting them, Equifax is in violation of FCRA 611 and FDCPA 1692g, which require proper verification before reporting collection activity. 

Finally, Equifax is reporting several unauthorized hard inquiries, including XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX  XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). I never authorized these inquiries, and they have been placed on my report without permissible purpose, which violates FCRA 604 ( a ) ( 3 ). Such unauthorized inquiries unfairly lower my credit score and damage my financial opportunities. 

The presence of all of these wrong addresses, false charge-offs, incorrect late payments, fraudulent collections, and unauthorized inquiries demonstrates that Equifax has failed in its duty to maintain accurate reporting. I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure Equifax complies with federal law and removes or corrects all of these items. Equifax has an obligation under FCRA 611 to investigate and delete unverifiable, inaccurate, and false information from my file. 

I respectfully ask the CFPB to intervene and hold Equifax accountable for failing to uphold its legal responsibilities. These errors are causing me real harm, and I request that Equifax be compelled to permanently delete the disputed addresses, charge-offs, collections, late payments, and inquiries from my report.

Company response to consumer: Closed with non-monetary relief