Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am filing this complaint because Equifax has continuously reported inaccurate and unverifiable information on my credit report, despite my previous attempts to dispute these items. This includes multiple charge-off accounts, collections, and false personal address records, all of which are in direct violation of the Fair Credit Reporting Act ( FCRA ). My rights as a consumer under federal law have been repeatedly ignored. I have already disputed these items directly with Equifax, and my disputes remain unresolved. My consumer rights have been violated under FCRA Sections 602 ( A ), 607 ( B ), 609 ( A ), 611, and 623. This is an ongoing and systemic issue causing significant emotional distress, financial hardship, and reputational damage. Below is a list of the inaccurate items Equifax continues to report : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance Owed : {$2400.00} | Status : Charge Off Issue : This account is inaccurately reported as a charge-off, even though no proper validation or reinvestigation was completed by Equifax. I never received a notice of debt validation under 15 U.S. Code 1692g. I also requested original creditor details and accounting breakdown under 15 U.S. Code 1681g, which were never provided.

Law Violated : FCRA 611 ( Failure to reinvestigate ), 609 ( a ) ( 1 ) ( Failure to disclose sources of information ), 623 ( Furnishing inaccurate information ), 607 ( b ) ( Failure to maintain reasonable procedures ) Story : This charge-off listing has drastically lowered my credit score and impacted my ability to secure basic financial services. Equifax has recklessly continued to report this without verifying the underlying data. This has created ongoing emotional and financial damage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$2700.00} | Status : Collection Issue : This collection account is being reported without any proper documentation or proof that the debt belongs to me. No contract, original statements, or validation letters were presented upon dispute.

Law Violated : FCRA 609 ( a ) ( 1 ), 611, 623, 15 USC 1692g ( b ) ( FDCPA validation of debts ) Story : This collection is impacting my employment background checks and my rental applications. The account was added without consent, proper documentation, or investigation. Equifax failed to fulfill its obligations to ensure the accuracy of consumer data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$17000.00} | Status : Collection Issue : This account is highly suspicious as it was reported recently with an extremely high balance. I have no record or correspondence regarding this debt. It appears to be fraudulent or misattributed.

Law Violated : FCRA 607 ( b ), 611, 609 ( a ) ( 1 ), 623 ( b ) Story : This massive collection amount has completely destroyed my credit utilization ratio and DTI ( debt-to-income ) calculation. I never authorized or acknowledged this debt. I requested full validation and Equifax failed to respond with anything legitimate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance Owed : Not Provided | Status : Collection * * Issue : This collection was added without any amount or contractual detail, which violates FCRA 609 ( a ) ( 1 ) and 623. I demanded documentation and verification, but Equifax refused to provide it.

Law Violated : FCRA 611, 607 ( b ), 609 ( a ), 623 ( a ) ( 1 ) ( A ) Story : XXXX XXXX has a long history of reporting unverifiable debts and Equifax continues to include them without fulfilling its duty to ensure data accuracy. The missing balance amount itself is a red flag for unreliability. 
INCORRECT ADDRESSES REPORTED BY EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never lived at this address. It is completely inaccurate and unrelated to any of my accounts. 
Law Violated : FCRA 607 ( b ) ( Reasonable procedures to assure maximum possible accuracy ), 609 ( c ) ( 2 ) ( Disclosure of file upon request ), 611 ( Reinvestigation of disputed information ) Story : Including this false address is causing mismatches in verification during rental screenings, employment background checks, and has been associated with fraudulent inquiries and unknown accounts. 
UNAUTHORIZED INQUIRIES/ HARD PULLS : I have experienced multiple unauthorized hard inquiries based on false addresses and unverifiable data. These inquiries are damaging my score without permissible purpose. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( Permissible purpose for consumer reports ), 607 ( a ), 616, 617 Story : These hard pulls were not initiated by me and are based on the above false addresses. I have not applied for credit with the listed companies and Equifax failed to remove them even after being notified.

I am formally requesting the Consumer Financial Protection Bureau to investigate Equifax for violating the Fair Credit Reporting Act, and to ensure they remove all inaccurate and unverifiable items from my report. I am also requesting full documentation of all data used to report these accounts and personal information. Equifax must be held accountable for repeated negligence and harm to consumers.

Company response to consumer: Closed with non-monetary relief