Consumer complaint received 2025-07-04 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 multiple inaccuracies, unauthorized accounts, and serious reporting errors on my credit file. I have attempted to resolve these matters through proper channels, but Equifax has failed to investigate, validate, or correct these items in accordance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am requesting a thorough investigation and the permanent removal or correction of the following inaccurate, incomplete, and unverifiable accounts and addresses. 
XXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$160.00} | Status : Late Payment Issue : Reporting inaccurate late payment that is not supported by any billing history or notice. 
Law : FCRA 15 U.S. Code 1681i failure to conduct a reasonable reinvestigation Statement : I never received any notification of delinquency on this account and was in deferment status due to COVID-19 hardship. Reporting a late payment under such conditions is not only misleading but also damaging to my creditworthiness. 
XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$7100.00} | Status : Late Payment Issue : Payment history reported inaccurately without validation. 
Law : FCRA 15 U.S. Code 1681s-2 ( b ) duty of data furnishers to investigate and correct errors Statement : Despite multiple attempts to verify the accuracy of this entry, no supporting documentation has been provided. This constitutes willful negligence and has severely affected my credit profile. 
XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$3700.00} | Status : Late Payment Issue : Late payment recorded during a known deferment period. 
Law : FCRA 15 U.S. Code 1681c ( a ) ( 5 ) obsolete information Statement : These records are outdated and misleading. During the pandemic, payments were paused and should not reflect any delinquency under federal relief guidelinesXXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Late Payment Issue : Reporting of unverified late status damaging credit score Law : FCRA 15 U.S. Code 1681e ( b ) requirement to ensure maximum possible accuracy Statement : Equifax has failed to provide accurate, complete, and verifiable information regarding this account. The continued presence of this error is a violation of my consumer rights. 
XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$7200.00} | Status : Late Payment Issue : Misreported delinquency with no proper evidence of late notice Law : FCRA 609 ( a ) ( 1 ) right to full disclosure Statement : I have never received validation of this accounts payment history and demand immediate investigation into the legitimacy of this reporting. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$4700.00} | Status : Late Payment Issue : Falsely reported delinquency with no sufficient backing Law : FCRA 611 ( a ) procedure in case of disputed accuracy Statement : The reporting agency has not investigated my dispute in a meaningful way and has continued to report wrong information without just cause. 
XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$3500.00} | Status : Late Payment Issue : False payment history used to harm my credit file Law : FCRA 1681s-2 ( a ) duty to furnish accurate information Statement : Repeated disputes have been ignored and the creditor has not verified or substantiated the alleged delinquency, which clearly violates consumer protection laws. 
Unknown Account Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$630.00} | Status : Collection Issue : Unknown collection account with no affiliation to me Law : FCRA 605B identity theft procedures Statement : This account is not mine and may be the result of identity theft. I never authorized or opened any such account and demand its immediate removal under the FCRAs fraud protections. 
XXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Status : Late Payment Issue : Incorrect reporting, no valid evidence provided Law : FCRA 1681i duty to reinvestigate upon consumer dispute Statement : I have submitted disputes and documentation, but Equifax has failed to verify or correct the reported data, causing me ongoing financial harm. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX | Balance : Not Reported | Status : Late Payment Issue : Newly added inaccurate late payment entry Law : FCRA 1681e ( b ) duty to ensure accuracy of information Statement : This late payment is inaccurately reported and does not match my payment history. Equifax has failed to perform any due diligence in reporting this tradeline.

INCORRECT ADDRESSES ON FILE Multiple addresses are being reported that are not affiliated with me. These include locations I have never lived at or had any association with. 
Issue : Inaccurate and unauthorized address information damaging credit profile Law : FCRA 1681e ( b ), 609 ( c ) ( 2 ) ( E ) requirement to report correct identifying information Statement : These addresses may be tied to identity theft or file contamination and are misleading lenders who review my file. I request immediate deletion of all incorrect addresses and an audit of my credit file. 
I am requesting immediate correction or removal of the inaccurate, unverifiable, and fraudulent entries listed above. Equifax has violated its duties under the FCRA by failing to ensure maximum possible accuracy, failing to reinvestigate, and continuing to report obsolete or false information. These violations have negatively impacted my creditworthiness, caused emotional distress, and denied me access to fair financial opportunities. Please investigate these matters promptly and ensure compliance from Equifax.

Company response to consumer: Closed with non-monetary relief