Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am filing this complaint against Equifax because they continue to report inaccurate, unverified, and misleading information on my credit file despite multiple disputes and requests for correction. These errors are causing ongoing harm to my financial standing, creating confusion about my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ).

Equifax is still reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is not my address and has no connection to me. Associating my credit file with a false address places me at risk for identity confusion and fraud and shows a clear lack of care in maintaining accurate consumer information, which violates FCRA 1681e ( b ) requiring maximum possible accuracy.

There are several accounts that I do not recognize and that Equifax has not verified, yet they continue to report them as negative marks on my credit file. One such account is XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, which is reported with a late payment despite showing a {$0.00} balance. Another is XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, which is listed as a charge-off with a reported balance of {$4100.00}. The XXXX XXXX account, number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is also reported with late payments even though it has a {$0.00} balance. XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a {$6800.00} balance. USDOEXXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is reported with late payments even though it carries no balance. Lastly, XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is listed as a charge-off with a balance of {$2600.00}. These accounts are inaccurate, harmful, and remain unverified, yet Equifax has failed to remove them.

In addition to these accounts, there are multiple inquiries that I never authorized. These include inquiries from XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX, all dated XX/XX/XXXX. I did not apply for credit with these companies or authorize them to access my credit file, and their presence on my report violates my rights and lowers my creditworthiness. I have disputed these items with Equifax multiple times, but they have either verified the information without proof or refused to remove it. This demonstrates a failure to comply with FCRA 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Equifaxs actions have caused ongoing harm by lowering my credit score, preventing me from obtaining fair financial opportunities, and subjecting me to unnecessary stress and embarrassment.

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of my credit file and require them to delete the false address, remove all unverified accounts and late payment entries, and eliminate the unauthorized inquiries. Equifax should be compelled to provide written proof that these errors have been corrected and confirm their compliance with FCRA and Metro 2 reporting standards moving forward. The continued reporting of these false and harmful items is unacceptable and has already caused significant damage to my financial reputation and peace of mind.

Company response to consumer: Closed with explanation