Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
This is my second written dispute regarding inaccurate personal identifying information that remains in my Equifax credit file despite my prior dispute. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all reported information is accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable reinvestigation when an item is disputed.

Your failure to remove these incorrect addresses after my first dispute clearly shows that your procedures are inadequate and noncompliant with federal law. These false addresses are harmful to my credit profile, create confusion during identity verification, and increase the risk of fraudulent accounts being linked to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address Issue : This address is not associated with me and is inaccurate. 
Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy ; FCRA 611 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information.

Story : I have never lived at this address. Its presence in my credit file is misleading and creates a false impression of my residency history. This misinformation increases the likelihood that unrelated accounts and inquiries may be wrongfully linked to my report. During a recent credit application, a lender questioned my identity due to this false address, causing unnecessary embarrassment and delay. Since you have failed to provide any proof of my connection to this address, it must be removed immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address is incorrect and has no connection to me. 
Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; FCRA 611 15 U.S.C. 1681i ( a ).

Story : I have never resided at or been associated with this Florida address. Its appearance in my file creates the false impression that I have lived out of state and opens the door for potential identity theft risks. Inaccurate address information has already caused confusion during my credit verification process and can lead to wrongful associations with fraudulent accounts. You have failed to correct this error after my first dispute, which is a clear violation of your obligations under the FCRA. 

I am giving you a final opportunity to comply with the law. If these inaccurate addresses are not removed within the 30-day time frame provided by 15 U.S.C. 1681i ( a ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I will also consider legal action to recover damages for willful noncompliance. 

I expect a deletion confirmation letter once these addresses have been removed. Failure to act will result in immediate escalation without further notice.

Company response to consumer: Closed with non-monetary relief