Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning inaccurate account reporting and the inclusion of an incorrect address on my credit report.

Despite my repeated efforts to dispute and correct the errors, Equifax continues to report false and harmful information which is affecting my ability to obtain credit, employment, and housing. I request that CFPB investigate these issues urgently. 
XXXX. Wrong Address Reported : Reported Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never resided at or been associated with this address. 
Law Violated : FCRA 607 ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 609 ( c ) ( 2 ) ( E ) Consumers must be informed of their right to dispute inaccurate information. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$760.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : This account is being reported with late payments that I dispute as inaccurate. I have not received any notice nor billing statement that supports this derogatory mark.

Law Violated : FCRA 611 ( a ) Right to dispute inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) A furnisher must not report inaccurate information XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$120.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : This account reflects derogatory status without legitimate grounds. I request validation and reinvestigation. 
Law Violated : FCRA 611 ( a ) Right to dispute FCRA 623 ( b ) ( 1 ) Duty to investigate disputed information XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Collection Violation : This is a collection account I was never notified about. I have no record of this debt and did not receive validation.

Law Violated : FDCPA 809 ( b ) Validation of debts FCRA 607 ( b ) Maximum possible accuracy XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : Payment history on this account contains inconsistent reporting dates. I am requesting full investigation.

Law Violated : FCRA 611 FCRA XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : I was on a hardship agreement, yet late payments were still reported.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( b ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : Duplicate derogatory accounts with differing balances and dates. Possible double reporting. 
Law Violated : FCRA 607 ( b ) FCRA 611 ( a ) XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : Late payment reported after account was settled.

Law Violated : FCRA 623 ( a ) ( 1 ) ( B ) Obligation to update or correct inaccuracies XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : No documentation of the late status has been provided.

Law Violated : FCRA 611 ( a ) XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX High Balance : {$540.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : I was under a payment plan during the months reported late.

Law Violated : FCRA 623 ( b ) XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : Inaccurate dates and inconsistent balance reporting.

Law Violated : FCRA 607 ( b ) FCRA 611 XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : I requested forbearance which was granted, yet still marked late.

Law Violated : FCRA 623 ( a ) XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : I paid off this account, but it continues to show delinquencies.

Law Violated : FCRA 623 ( b ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX High Balance : {$45000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Reported Violation : Account reflects late payments during a deferment period. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( B ) Conclusion and Request for Relief : Due to the serious impact of these inaccurate and unverifiable reports, I respectfully request the CFPB to : 1. Launch an immediate investigation into Equifaxs reporting practices on the mentioned accounts.

2. Enforce correction or deletion of all inaccurate, unverifiable, or duplicated information.

3. Ensure Equifax complies with all requirements under the Fair Credit Reporting Act.

4. Provide written confirmation of the resolution from Equifax.

These errors are negatively impacting my credit profile, and the agency 's failure to correct them despite formal disputes is unacceptable. I request that this complaint be treated with urgency and seriousness.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief