Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.

1. Inaccurate Addresses ( FCRA 607 ( b ), 609 ( c ) ) Equifax has listed several addresses on my credit file that do not belong to me, and I have never resided at or been associated with them. These are outdated, incorrect, or possibly a result of file mismerge, and their presence creates confusion and undermines my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct Apt XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect PO Box XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Per FCRA 607 ( b ), Equifax is required to maintain maximum possible accuracy in the consumers credit file. Reporting addresses that are clearly incorrect violates this obligation and may indicate negligent data handling practices. 
XXXX. Account Issues Below are the accounts currently reporting inaccurately under Equifax, along with the specific concerns for each : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 611 Failure to reasonably investigate a dispute FCRA 607 ( b ) Failure to assure maximum possible accuracy Late payment is being reported inaccurately and without verifying full context or borrower history. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 607 ( b ) FCRA 609 ( a ) ( 1 ) Right to verify items accuracy with documentation No validation was provided, and reporting appears outdated or inaccurate. 
XXXX XXXXXXXX ( XXXX Accounts ) XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Opened XX/XX/XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Opened XX/XX/XXXX Issue : Late Payments Violation : FCRA 611 Duplicate account issue Reporting the same account with two separate dates and balances causes confusion and impacts my credit score unfairly.

Also a potential violation of FCRA 605 ( c ) regarding misleading or obsolete data. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide accurate data Given the age of this loan and my federal repayment status, this should not be reported as delinquent. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 604 Permissible Purpose I did not authorize this inquiry, nor did I initiate any transaction with XXXX This constitutes a violation of my right to privacy under federal law. 
3. Narrative & Harm Done Equifax 's failure to ensure accuracy and proper verification of information has resulted in : Credit denials and higher interest rates Stress and emotional distress Impairment of my ability to obtain housing and employment Despite my previous efforts to dispute these inaccuracies, Equifax has failed to conduct a meaningful reinvestigation, as required by FCRA 611 ( a ). The presence of outdated, incorrect, and duplicate data shows willful noncompliance with federal consumer protection laws.

4. Relief Sought I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for violations of the FCRA and take the following actions : Permanently remove all inaccurate addresses listed above Correct or remove the inaccurate late payments, duplicate XXXX XXXXXXXX account, and outdated XXXX data Delete the unauthorized inquiry from XXXX Provide written confirmation of all corrections Impose appropriate fines or sanctions for noncompliance 5. Supporting Law Citations FCRA 607 ( b ) : Duty of accuracy FCRA 611 ( a ) : Reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) : Right to information on file FCRA 623 ( a ) ( 1 ) : Duty of data furnishers to report accurate data FCRA 604 : Permissible purposes for inquiries Thank you for your attention to this matter. I am requesting full resolution of these issues and a thorough investigation into Equifaxs practices. 

I am filing this formal complaint against multiple credit reporting agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. My credit reports are being negatively impacted due to inaccurate address reporting and erroneous account information, specifically false late payment entries and misreporting of account statuses. 
I have previously contacted the credit bureaus to dispute the following items, but they have failed to properly investigate and correct the errors. This complaint is being filed to demand proper investigation and resolution in accordance with 15 U.S. Code 1681i Procedure in case of disputed accuracy, and 15 U.S. Code 1681s-2 Responsibilities of furnishers of information.

1. Inaccurate Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) These addresses are not associated with me in any way. Their presence on my credit report is inaccurate, misleading, and damaging to my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct, XXXX, TX XXXX Incorrect The continued presence of these addresses violates FCRAs requirement that only accurate, verifiable, and complete information be maintained. 
2. Inaccurate Account Information and Late Payments ( Violations under FCRA 1681s-2 & 1681e ( b ) ) The following accounts have reported late payments inaccurately and without providing evidence of proper validation or notification under the law : a. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment reporting without proper validation Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), as the furnisher has provided incomplete or inaccurate data and failed to perform a reasonable investigation under FCRA 1681i. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : False reporting of late payments, no evidence provided upon request Violation : Failure to meet standards of accuracy under FCRA 1681e ( b ) ; negligent reporting damaging my credit reputation. 
XXXX XXXX CARD Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Historical late payment entries that are outdated and unverified Violation : FCRA 1681c ( a ) for potentially outdated adverse information. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Repeated late payment reporting with no verification Violation : FCRA 1681s-2 ; failure to correct or delete inaccurate information after being disputed. 
XXXX XXXX XXXX ( First Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Late payment entry from several years ago that has been disputed but not removed Violation : FCRA 1681e ( b ) outdated and unverifiable late payment. 
XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Verified : {$3200.00} Date Opened : XX/XX/XXXX Issue : Multiple late payment entries with no resolution despite dispute Violation : Continued furnishing of disputed inaccurate information, in violation of FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX ( Second Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Duplicate account appearing with similar information and additional late payment Violation : Duplicate reporting and unverified derogatory item violates 1681e ( b ) and 1681i. 
h. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Historical federal student loan account showing unresolved late payments Violation : Late payments possibly outside reporting window under 1681c ( a ) ; disputed but not corrected or validated.

Relief Requested I am requesting that the CFPB direct the credit reporting agencies to : 1. Remove the inaccurate addresses listed above from all three major credit bureau files.

2. Thoroughly investigate each of the above-mentioned accounts and require the data furnishers to provide full validation of the alleged late payments.

3. Delete or correct all unverifiable, outdated, or inaccurate negative items in accordance with FCRA 1681i and 1681s-2.

4. Provide written confirmation of all deletions, corrections, or changes made as a result of this complaint.

Conclusion These errors are significantly impacting my ability to obtain credit, employment, and housing. The inaction by the CRAs and furnishers to resolve my good-faith disputes shows gross negligence and a disregard for federal consumer protection laws.

I respectfully request the CFPB to intervene and ensure these violations are corrected in full compliance with federal law.

To Whom It May Concern, I am filing this complaint against Experian for reporting inaccurate and harmful information on my credit file, including wrong addresses and multiple accounts with incorrect, outdated, or misleading payment history. These errors are severely impacting my credit profile and have resulted in denials of credit, emotional distress, and financial harm.

1. Inaccurate Addresses Being Reported Experian is reporting the following addresses on my credit report, which are incorrect and should be removed immediately as I have never lived at or used these addresses : XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS These addresses are not associated with any verifiable residence or application I have made. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy of the information they report. Reporting false addresses is a clear violation of that requirement.

2. Inaccurate or Misleading Account Reporting Below are the accounts being inaccurately reported by Experian. I am listing each with their issues and the applicable law violated XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting * * This mortgage account reflects inaccurate late payments that I dispute. I have documentation proving timely payment or forbearance arrangements that were never reflected. Violation : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnisher is reporting information with actual knowledge of errors. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Citi is reporting inaccurate payment history which is inconsistent across bureaus. This is creating a misleading impression of delinquency. Violation : FCRA 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed items with due diligence. 
XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * This account is inaccurately showing missed payments without substantiating proof or notices. I was not notified of these discrepancies and was under a payment arrangement. Violation : FCRA 15 U.S.C. 1681s-2 ( b ) failure of furnisher to correct information after being notified of dispute. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * The reporting of late payments is not substantiated and is damaging my score across all models. Violation : 15 U.S.C. 1681e ( b ) Experian is not ensuring maximum possible accuracy. 
XXXX XXXX ( x2 Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  o High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Issue : Late Payments This appears to be a duplicate account entry with inconsistent data. One account may have been sold or transferred but it is not being properly reflected, leading to confusion and inaccurate scoring. Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Experian must delete or correct duplicate or outdated information. 
XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * I dispute the late payments shown here as they are not supported by notice or documentation. Violation : 15 U.S.C. 1681s-2 ( b ) furnisher failed to investigate and correct reporting errors. 
XXXX / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Late payments were reported during a forbearance or deferment period due to financial hardship. This is both misleading and inaccurate. Violation : CARES Act ( 15 U.S.C. 9051 et seq. ) & FCRA 1681c ( a ) protections were in place during pandemic-related hardship, which were not honored in reporting.

Legal Basis for My Complaint Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate, complete, and verifiable information ( 15 U.S.C. 1681e ( b ), 1681i ).

Data furnishers, including lenders, must correct and update information after being notified of a dispute ( 15 U.S.C. 1681s-2 ( b ) ).

Duplicate accounts, unverified late payments, and inaccurate addresses are clear violations of these provisions.

Requested Resolution I respectfully request the CFPB to investigate Experian and ensure they : 1. Remove the incorrect addresses listed above.

2. Conduct a proper reinvestigation of all disputed accounts.

3. Delete or correct any inaccurate, unverifiable, or duplicate tradelines.

4. Ensure all reporting complies with FCRA and CARES Act protections.

5. Confirm removal/correction in writing to me within the statutory time frame.

Company response to consumer: Closed with non-monetary relief