Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
I am submitting this formal complaint against Equifax for their continuous failure to maintain accurate, complete, and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 607 ( B ), 611, and 609 ( a ) ( 1 ). Despite previous disputes and ongoing efforts, Equifax has refused to conduct a proper reinvestigation and continues to report erroneous information that is causing me harm. Below I have detailed the inaccurate address and account information that remain unresolved on my credit file. 
XXXX XXXX XXXX XXXX, AL XXXX Wrong Address This address is inaccurately listed on my Equifax credit report. I have never resided at or been associated with this address. Reporting an incorrect address is a direct violation of FCRA 607 ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy of consumer information. It also violates 609 ( a ) ( 1 ), which entitles me to full disclosure of the sources of information being reported about me. This address is not associated with any of my financial activities, and its continued presence misrepresents my identity, potentially connecting me to fraudulent or unrelated credit activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> High Balance : {$780.00} Charge Off This account is inaccurately reported as a charge-off on my Equifax report. I dispute the validity and accuracy of this tradeline. There are no substantiated documents provided by Equifax or the original creditor verifying the debt, contract, terms of default, or charge-off status, as required under FCRA 611 and 609 ( a ) ( 1 ) ( A ). Furthermore, Equifax failed to conduct a proper reinvestigation within the 30-day period as required by FCRA 611 ( a ) ( 1 ). Reporting this without proper documentation is considered negligent, inaccurate, and harmful to my credit profile. The charge-off is degrading my creditworthiness and does not reflect an accurate or verifiable account history. I demand that Equifax either provide documented verification from the original creditor, including complete billing statements and signed agreements, or immediately remove this account from my report. 
These inaccurate entries have caused severe damage to my creditworthiness, affecting my ability to obtain housing, employment, and essential financial services. I have made multiple attempts to dispute these issues directly with Equifax but received vague or template responses without proper investigation or results. This violates FCRA 602 ( a ), which asserts that consumer credit reporting must be fair, impartial, and respectful of consumer rights.

By knowingly or negligently allowing inaccurate, outdated, and unverifiable information to remain on my credit report, Equifax is in violation of federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Equifaxs repeated disregard for federal regulations, and require them to remove the inaccurate address and account mentioned above, and ensure full compliance with all FCRA provisions going forward.

Company response to consumer: Closed with non-monetary relief