Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I am filing this complaint against Equifax for their willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Equifax has knowingly reported multiple inaccurate and unverifiable items on my credit report despite my repeated attempts to dispute and request validation. These items have caused me significant financial harm, emotional stress, and loss of opportunity. I respectfully request that the CFPB investigate Equifax and compel them to delete the following items due to legal violations and lack of proper verification Wrong Address Reporting XXXX XXXX XXXX XXXX, NC XXXX Equifax is inaccurately reporting this address on my credit profile even though I have never lived at or been associated with this location. Reporting this false address is a violation of FCRA 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files. Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes an item. This false address may be the result of file mixing or identity confusion, both of which present a serious threat to my identity and privacy. Despite informing Equifax, they have failed to remove this address, and this continued inaccuracy has negatively impacted my creditworthiness XXXX XXXX XXXX  Account # XXXX XXXX Charge Off High Balance : {$600.00} Date Opened : XX/XX/XXXX * * This account is being reported as a charge-off, but I dispute its accuracy, legitimacy, and the manner in which it is being reported. I have never received proper validation or accounting from the creditor or from Equifax. Under FCRA 1681i, Equifax must conduct a reasonable reinvestigation when a consumer disputes an account, and under FDCPA 809 ( b ), any debt collector or creditor must validate a debt upon request. No such validation has been provided. Continued reporting of this unverifiable charge-off constitutes a willful violation of both the FCRA and FDCPA. I am requesting deletion of this account as it is inaccurate, unsupported, and is harming my financial standing XXXX XXXX XXXX Account # XXXX Collection High Balance : {$1900.00} Date Opened : XX/XX/XXXX This collection account is being reported without any legal validation or proper documentation. I have not received any dunning notice or information verifying the origin or breakdown of this debt. FCRA 1681i ( a ) requires Equifax to reinvestigate disputed items, and FDCPA 1692g ( b ) states that a debt collector must validate a debt upon notice of dispute. This account was reported with no supporting evidence, and Equifax has failed to remove it after my dispute, which shows a lack of compliance with federal law. This inaccurate collection is damaging my credit profile and is being reported in violation of my consumer rights XXXX XXXX Account # XXXXXXXX XXXX XXXX Charge Off High Balance : {$4700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX I am disputing this charge-off due to inaccurate reporting and lack of verification. Equifax has continued to report this item even after I disputed it and requested validation. I have never received any proper documentation proving the accuracy of this account. FCRA 623 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate, and FCRA 1681i requires credit bureaus to delete unverifiable information. This account does not reflect accurate reporting standards and its continued presence on my credit file reflects Equifaxs disregard for lawful procedures and my rights as a consumer. I request that this account be investigated and permanently removed from my credit report Equifax has failed to comply with their obligations under the FCRA and FDCPA despite being provided with detailed disputes and requests for reinvestigation. Their negligent reporting practices and failure to maintain accurate records have caused me harm including denial of credit, increased interest rates, and emotional distress. I am requesting that the Consumer Financial Protection Bureau take immediate action against Equifax to enforce federal consumer protection laws and compel the removal of all inaccurate and unverifiable information from my credit file. I have attached supporting documentation and prior dispute letters as evidence

Company response to consumer: Closed with non-monetary relief