Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax for their continued failure to conduct a proper reinvestigation of the inaccurate and damaging information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. I am a consumer residing at XXXX XXXX XXXX XXXX XXXX, MI XXXX. Despite multiple disputes, Equifax has not fulfilled their obligations to ensure maximum possible accuracy of the information they report. Below are the specific accounts, inquiries, and inaccuracies being reported by Equifax without proper verification or investigation : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Status : Collection Issue : This account is being reported both as a collection by XXXX XXXX and as a charge-off by the original creditor XXXX XXXX XXXX creating a duplicate derogatory entry for the same debt. This is inaccurate and misleading under FCRA. I never received any debt validation notice under 15 U.S. Code 1692g ( a ), and XXXX failed to provide proof of ownership or assignment of the debt. Reporting the same debt twice damages my score unfairly. 
Law Violated : FCRA 15 U.S. Code 1681e ( b ) failure to maintain maximum accuracy ; FDCPA 15 U.S. Code 1692e ( 2 ) ( A ) false representation of the character/amount of debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Status : Chargeoff Issue : This account is inaccurately reporting a charge-off status despite the account being under a payment arrangement and not finalized as a legal charge-off with a 1099-C issued. Equifax has failed to verify this account properly with XXXX XXXX XXXX and continues to report outdated and misleading information. 
Law Violated : FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate after dispute ; FCRA 15 U.S. Code 1681e ( b ) failure to assure accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Status : Chargeoff Issue : This account was closed voluntarily and paid in settlement. It is inaccurately being reported as a charge-off. Equifax failed to update or validate the reporting status, and continues to misreport despite multiple disputes. XXXX XXXX never notified me of charge-off status and no 1099-C was issued. 
Law Violated : FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information ; 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) failure to modify or delete incorrect information after reinvestigation. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Status : Chargeoff Issue : This account is being reported in duplicate with the XXXX XXXX  collection above, causing double negative impact. XXXX XXXXXXXX sold this account to XXXX, and once sold, the creditor is legally obligated to report a {$0.00} balance and indicate the account was transferred. Equifax failed to update this per the Metro 2 reporting standard.

Law Violated : FCRA 15 U.S. Code 1681s-2 ( b ) duty to update information ; 15 U.S. Code 1681e ( b ) failure to ensure accurate reporting. 
XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Status : Hard Inquiry Issue : I did not authorize this inquiry. I never applied for credit with XXXX XXXX on or around this date. Equifax failed to confirm the permissibility of this inquiry, violating my rights under FCRA. 
Law Violated : FCRA 15 U.S. Code 1681b ( c ) permissible purpose required for hard inquiries ; 15 U.S. Code 1681b ( f ) willful acquisition without authorization.

ADDITIONAL VIOLATIONS BY EQUIFAX REGARDING REPORTING OF INCORRECT ADDRESSES : Equifax continues to report incorrect and outdated addresses on my credit report, which do not belong to me and were never associated with any credit accounts. These addresses include : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX TX XXXX These addresses are severely affecting the integrity of my credit profile and exposing me to identity fraud. Equifax has not removed them despite disputes and clear evidence of fraud.

Law Violated : FCRA 15 U.S. Code 1681e ( a ) reasonable procedures to assure maximum possible accuracy ; FCRA 15 U.S. Code 1681i failure to reinvestigate disputed information.

REQUEST FOR CFPB ACTION : I am requesting that the CFPB investigate Equifax for failure to conduct proper reinvestigations, failure to ensure accurate and fair credit reporting, continued reporting of obsolete and duplicated derogatory accounts, unverified inquiries, and unauthorized address associations. I demand full deletion or correction of all erroneous entries listed above. Equifax is willfully negligent in handling my consumer rights and has caused me significant emotional and financial harm. I respectfully ask the CFPB to take enforcement action under the FCRA and to compel Equifax to fully correct my credit report.

Company response to consumer: Closed with non-monetary relief