Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am filing this complaint against Equifax for reporting multiple inaccurate addresses, unverifiable accounts, and failing to follow proper reinvestigation procedures as required under the Fair Credit Reporting Act ( FCRA ). I have disputed these items directly with Equifax but have either received no resolution or inadequate investigation. This is a violation of FCRA 1681i and 1681e ( b ). Below is a detailed summary of each issue : A. Inaccurate Addresses ( FCRA 1681e ( b ) Violation ) : Equifax is reporting XXXX addresses on my credit file that are false, outdated, or never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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  These addresses do not belong to me. Their continued reporting indicates that Equifax is not maintaining accurate identity data or verifying the legitimacy of address records. This is a direct violation of FCRA 1681e ( b ), which requires " reasonable procedures to assure maximum possible accuracy. '' B. Disputed Accounts : XXXX. XXXX Bank Acct # : XXXX Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late payments during COVID hardship Violation : FCRA 1681s-2 ( b ) ; CARES Act Details : I requested accommodations under the CARES Act, yet the account reflects derogatory late payments. No effort was made by Equifax to verify this. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$7900.00} Issue : Charge off not validated Violation : FCRA 1681i ; FDCPA 809 ( b ) Details : No documentation was provided after my dispute. The account remains despite lack of validation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$990.00} Issue : Charge off no notice or verification Violation : FCRA 1681e ( b ) ; FDCPA 807 Details : I never received notice or documents verifying this account. It should not be reported. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Charge off not verified Violation : FCRA 1681e ( b ) ; 1681s-2 ( b ) Details : Ive disputed this account without receiving any proper response or proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$2900.00} Issue : Duplicate reporting Violation : FCRA 1681e ( b ) ; 1681i Details : These appear to be the same account reported twice with different open dates and balances, which is deceptive and unfairly penalizes my credit. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payments reported on {$0.00} balance Violation : FCRA 1681s-2 ( b ) Details : This account is closed and settled. Continuing to report late payments is inaccurate and harmful. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$11000.00} Issue : Charge off not validated Violation : FCRA 1681i ; FDCPA 809 Details : I requested debt validation, but received no proof of ownership or obligation. Equifax failed to remove the account. 

Requested Resolution : I request the CFPBs help in compelling Equifax to do the following : Immediately delete the XXXX false addresses. 

Remove or properly reinvestigate all disputed accounts listed above. 

Provide written results of the investigation for each item. 

Provide an updated copy of my credit report reflecting these changes. 

Harm Caused : These violations have caused credit score damage, loss of credit opportunities, and emotional stress. I have made every effort to resolve this directly with Equifax and received no proper resolution.

Company response to consumer: Closed with non-monetary relief