Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because Equifax is reporting inaccurate and unverifiable information on my credit file in direct violation of the Fair Credit Reporting Act. The law requires consumer reporting agencies to maintain maximum possible accuracy under FCRA 607 ( b ) and to delete or correct information that can not be verified under FCRA 611 ( a ). Despite this obligation, Equifax has allowed multiple false addresses and an unverifiable account to remain on my credit file, causing me ongoing financial harm and damaging my credibility as a consumer. 

Equifax has reported an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address and I have no connection to it. By attaching a residence to me that is completely false, Equifax is misrepresenting my identity and exposing me to potential fraud. This is not only harmful but also a clear violation of my rights under federal law. Equifax has also reported another false address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with this location either. These addresses are inaccurate, unverifiable, and misleading, and they remain on my report even after being disputed, which demonstrates that Equifax is failing to comply with the reinvestigation and deletion requirements of the FCRA. 

In addition to the false addresses, Equifax is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1700.00} and late payments attached. I have formally disputed this account because the reporting is not accurate and can not be verified with lawful documentation. To this day, Equifax has failed to provide original signed contracts, payment records, or any verified proof from XXXX XXXX substantiating the late payment history or balance. The continued publication of this account without proper verification is unlawful under FCRA 609 ( a ), which requires disclosure of sources, and 611 ( a ), which requires deletion or correction of unverifiable information. 

These actions by Equifax are not only negligent but also willful violations of the law. By allowing false addresses and unverifiable account data to remain in my file, Equifax is disregarding its statutory duty and exposing me to serious and ongoing damage. My creditworthiness has been harmed, I have been denied financial opportunities, and I continue to suffer because of Equifaxs refusal to follow federal law. The FCRA was enacted to protect consumers from exactly this type of abuse, yet in my case, Equifax has chosen to ignore its legal responsibilities. 

I am demanding that the Consumer Financial Protection Bureau intervene immediately to hold Equifax accountable for these violations, require them to delete the unverifiable addresses and XXXX XXXX account, and ensure that they comply with their legal obligations under federal law. Equifax should not be permitted to continue harming consumers by maintaining false and unverifiable information on their reports.

Company response to consumer: Closed with non-monetary relief