Consumer complaint received 2025-07-01 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 filing this complaint against Equifax due to numerous inaccuracies and violations of federal law found in my credit report. These errors are seriously damaging my creditworthiness and causing me undue hardship. I demand an immediate, thorough investigation and correction of these issues as required by the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, and 623. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This address is incorrectly reported on my Equifax credit report. I have never lived or received mail there. Its inclusion is inaccurate and misleading.

Law : FCRA Section 607 requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Section 609 gives me the right to dispute inaccurate information.

Story : The presence of this incorrect address is damaging my credit profile. Potential lenders and creditors are confused by this address mismatch, causing delays and denials in my credit applications. This false address could also result in identity mix-ups or fraud risk if someone else is living there or using that address. Equifax failed to exercise reasonable care and did not verify or update my personal data properly. Their negligence violates my consumer rights and causes real financial harm.

Wrong Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Another false address listed on my credit report. I do not have any connection to this property.

Law : Under FCRA Section 607, CRAs must maintain reasonable procedures to assure accuracy. Section 611 requires a proper reinvestigation upon dispute.

Story : This erroneous address listing lowers my credit reliability and can lead to incorrect credit decisions. It also raises suspicion of potential identity theft. Despite disputing this, Equifax has failed to correct or remove the false address, breaching their obligation to ensure data accuracy.

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is wrongly associated with my credit file without any valid link.

Law : FCRA Sections 609 and 611 protect consumers by requiring credit bureaus to verify and correct inaccurate information upon dispute.

Story : This inaccurate address confuses creditors and diminishes the credibility of my credit report. It can adversely affect credit approval and interest rates. Equifaxs failure to correct this misinformation upon dispute indicates a lack of compliance with the FCRA.

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Misreported address that I never authorized or occupied.

Law : FCRA Section 607 demands maximum accuracy ; Section 609 guarantees dispute rights.

Story : The reporting of this incorrect address by Equifax has negatively impacted my creditworthiness. It creates risk of mistaken identity and confusion in credit verification processes. Equifaxs inadequate data management exposes me to financial harm and breaches their duty of accuracy.

Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : False address listed inaccurately on my credit report.

Law : FCRA Sections 607 and 611 require reasonable procedures and reinvestigation of disputes.

Story : The continued inclusion of this incorrect address harms my credit profile and potential loan applications. Equifaxs failure to verify and promptly correct this misinformation violates my rights and causes me financial distress.

Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This inaccurate address is wrongly linked to my credit file.

Law : FCRA Sections 607, 609, and 611 protect consumers from inaccurate reporting and require correction after disputes.

Story : This erroneous data point reflects poor data quality control at Equifax. It impedes my ability to secure credit and increases risk of fraud or mistaken identity. Equifaxs negligence in removing or correcting this false information is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Account is inaccurately reported as charged off. I dispute the validity and status of this debt.

Law : FCRA Sections 611 and 623 require furnishers and credit reporting agencies to report accurate, complete information and conduct proper reinvestigation of disputed data.

Story : This charge-off status damages my credit unfairly. Equifax has failed to verify this debts accuracy or provide me with proper validation. This misinformation has led to higher interest rates and loan denials. I request immediate investigation and removal if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Reported as charged off inaccurately. I dispute this status and its completeness.

Law : Under FCRA Sections 609 and 611, I have the right to dispute inaccurate or incomplete information, and credit bureaus must reinvestigate.

Story : This inaccurate charge-off harms my credit history. Equifax failed to verify this account status properly. This leads to unwarranted damage to my credit score and financial opportunities. Immediate correction or removal is necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Duplicate or incorrect charge-off reported.

Law : FCRA Sections 607 and 611 require maximum accuracy and reinvestigation of disputed items.

Story : This duplicate or incorrect entry causes confusion and unfairly lowers my credit score. Equifaxs negligence in data management violates federal law and consumer trust. 
XXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Late payments reported inaccurately or without proper validation.

Law : FCRA Section 611 gives me the right to dispute and correct inaccurate information.

Story : Equifaxs reporting of late payments that are inaccurate or unverifiable unfairly harms my credit standing. I demand a thorough reinvestigation and correction of this inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection * * Issue : Collection account reported without proper validation.

Law : FCRA Sections 609 and 611 require credit reporting agencies to verify disputed information and ensure accuracy.

Story : This collection account lacks sufficient documentation and proper validation. Equifaxs failure to verify this debt violates my rights and unjustly damages my credit. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Collection * * Issue : Inaccurate collection reporting violating reasonable procedures under FCRA Section 607.

Law : FCRA Sections 607, 609, and 611 require maximum accuracy and reinvestigation upon dispute.

Story : Equifaxs negligence to correct this unverifiable collection account continues to harm my credit profile and financial wellbeing unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$640.00} Date Opened : XX/XX/XXXX Collection * * Issue : Collection account inaccurately reported without proper validation.

Law : FCRA Sections 609 and 611 guarantee dispute rights and require reinvestigation.

Story : I dispute this collection due to lack of proper documentation. Equifaxs failure to remove unverifiable debts is a clear violation of federal law and has negatively impacted my credit. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2700.00} Date Opened : XX/XX/XXXX Collection * * Issue : Collection inaccurately reported violating FCRA Sections 609 and 611.

Law : FCRA Sections 609 and 611 require verification of disputed information and accuracy.

Story : This collection account lacks proper validation and Equifaxs failure to remove or correct it harms my credit unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Charge off reported inaccurately or without verification.

Law : FCRA Sections 611 and 623 require accurate and complete reporting.

Story : This inaccurate charge-off entry harms my credit score unjustly. I demand immediate reinvestigation and removal if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Incorrect or duplicate charge-off entry violating FCRA accuracy requirements .

Law : FCRA Sections 607 and 611 require credit bureaus to maintain accurate data and reinvestigate disputes.

Story : This entry causes unnecessary damage to my credit profile and Equifax must correct it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$9.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Small balance charge-off inaccurately reported or duplicated. 
Law : FCRA Sections 609 and 611.

Story : This misleading information skews my creditworthiness unfairly and must be corrected. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Collection * * Issue : Recent collection account reported without proper validation.

Law : FCRA Sections 609 and 611 require verification of disputed accounts.

Story : I dispute this account and demand Equifax provide complete documentation. Failure to verify requires removal. 
XXXX XXXX Inquiries Issue : Hard inquiry made without my authorization.

Law : FCRA Section 604 requires permissible purpose for hard inquiries.

Story : These unauthorized inquiries have lowered my credit score unfairly and must be deleted immediately. 
XXXX XXXX Inquiries Issue : Unauthorized hard inquiry.

Law : FCRA Section 604.

Story : This inquiry was done without my knowledge or consent and damages my credit. Removal is demanded. 
XXXX XXXX XX/XX/XXXX Inquiries Issue : Unauthorized inquiry violating permissible purpose requirements.

Law : FCRA Section 604.

Story : This inquiry hurts my credit profile unfairly and must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Issue : Unauthorized hard inquiry violating FCRA. 
Law : FCRA Section 604.

Story : I did not authorize this inquiry and demand its removal to restore my credit integrity. 
XXXX XXXX XX/XX/XXXX Inquiries Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604.

Story : This inquiry has unfairly impacted my credit score and should be deleted.

In conclusion, Equifaxs failure to maintain accurate, complete, and verified information is a clear violation of multiple provisions of the FCRA including Sections 602, 607, 609, 611, and 623. These reporting errors are causing real harm to my financial reputation and credit opportunities. I demand an immediate reinvestigation and deletion or correction of all inaccurate, unverifiable, or unauthorized entries in my credit

Company response to consumer: Closed with non-monetary relief