Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this formal complaint regarding serious violations of federal consumer protection laws involving inaccurate credit reporting, failure to conduct a reasonable investigation, and continued reporting of unverifiable information. Despite my good-faith efforts to maintain an accurate credit file, multiple errors remain on my consumer report that are causing ongoing harm. 

WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX This address does not belong to me, I have never lived at this location, and I have no association with it. Reporting an address that is not mine indicates a failure to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). This incorrect address may be connected to accounts or inquiries that are not mine and must be deleted immediately from my credit file. 

XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} This collection account is not recognized by me and I have no knowledge of any obligation with this company. The account has been reported without proper validation or proof of accuracy. Under 15 U.S.C. 1681s-2 and 1681b, any account furnished must be fully verified with competent evidence. If you can not verify this account with the original creditor documentation, contract, and lawful authority, it must be deleted immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$120.00} I dispute this collection account in its entirety. I do not acknowledge owing this debt and have not been provided any documentation proving accuracy, ownership, or permissible reporting. Reporting unverified collection data is a direct violation of the FCRA and can not remain on my credit report without proper investigation and confirmation.

UNAUTHORIZED HARD INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries and did not provide written or verbal permission for any credit review by these entities. Under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose. If you can not provide proof of my authorization, including a signed application or recorded consent, these inquiries must be deleted immediately.

FAILURE TO COMPLY WITH FEDERAL LAW The continued reporting of incorrect address information, unverified collection accounts, and unauthorized inquiries demonstrates a failure to comply with the Fair Credit Reporting Act, including obligations related to accuracy, investigation, and permissible purpose. These violations persist despite my disputes and requests for correction.

REQUEST FOR CFPB ASSISTANCE I respectfully request that the Consumer Financial Protection Bureau review this matter and require the credit reporting agencies and furnishers involved to fully investigate, correct, and delete all inaccurate and unverifiable information. Written confirmation of all corrections and deletions should be provided once the investigation is complete.

Thank you for your assistance in enforcing my consumer rights.

Company response to consumer: Closed with non-monetary relief