Consumer complaint received 2025-06-19 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:
b'I am filing this complaint against Equifax for reporting multiple inaccurate, unverifiable, and outdated items on my credit report in direct violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  16811681x, and its associated consumer protections.\nDespite multiple attempts to have these issues resolved directly with Equifax through formal disputes, they have failed to conduct reasonable investigations or to delete inaccurate and unverified data. This ongoing negligence has caused severe harm to my financial health, creditworthiness, and peace of mind.\n1. WRONG ADDRESSES REPORTED (Identity & Privacy Violation  FCRA 1681e(b), 1681c-2)\nThe following addresses are incorrect, have no verifiable relationship to me, and should have never been included in my file:\n 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 XXXXViolation: FCRA 1681e(b)  Failure to maintain accurate and complete information; Violation: FCRA 1681c-2(a)  Right to request and enforce the blocking of information resulting from identity theft.\n2. INCORRECT ACCOUNT REPORTING\na. Charge-Off Accounts:\n1. 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 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 XXXXThese late payments are either inaccurately reported or unverifiable. FCRA Violations: 1681s-2(b), 1681i(a), 1681e(b)\nc. Collection AccountsXXXX 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 Status: Collection\nInaccurate or unverifiable debt entries affecting my score and creditworthiness. FCRA Violations: 1681e(b), 1681i(a), 1681s-2(b)\n3. UNAUTHORIZED / UNEXPLAINED HARD INQUIRIES (FCRA 1681b)\nI did not authorize or recognize the following inquiries on my credit report. These appear to violate my rights under FCRA:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were either unauthorized or lack permissible purpose. Violation: FCRA 1681b  Permissible purpose for obtaining a consumer report.\nConclusion & Request for Relief\nI respectfully request that the CFPB fully investigate Equifaxs failure to:\n Maintain accurate credit file information\n Remove unverifiable accounts and incorrect addresses\n Delete unauthorized hard inquiries\n Respond reasonably and lawfully to prior disputes\nI am demanding the deletion or correction of the above-referenced items, and that Equifax be compelled to comply with all relevant provisions of the FCRA.\nEquifaxs continued negligence has caused damage to my credit, denial of credit opportunities, and emotional distress. I am seeking formal intervention, enforcement, and corrective action from the CFPB.\nApplicable Laws Cited:\n FCRA 1681e(b): Duty to follow reasonable procedures for maximum possible accuracy\n FCRA 1681i: Procedure in case of disputed accuracy\n FCRA 1681s-2: Responsibilities of furnishers of information\n FCRA 1681b: Permissible purposes for consumer reports\n FCRA 1681c-2: Blocking information resulting from identity theft'

Company response to consumer: Closed with non-monetary relief