Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax Information Services LLC for reporting inaccurate, outdated, and unverifiable information on my credit report. I have submitted disputes regarding these issues multiple times ; however, Equifax continues to willfully violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, causing financial and reputational harm.

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and direct Equifax to immediately delete or correct the following erroneous and harmful information : Wrong Address Reported : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Issue : This address does not belong to me and has been erroneously listed on my credit report. 
Violation : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigation. 
Note : This incorrect address is likely causing mixed files and association with accounts not belonging to me. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Reported as Collection Issue : This account was never authorized or verified by me. I did not receive any communication from XXXX XXXX prior to this entry. 
Violations : FCRA 1681b : No permissible purpose for collection reporting.

FCRA 1681e ( b ) : Inaccurate and unverifiable debt.

FCRA 1681i : Equifax failed to investigate properly upon my dispute. 
Note : Reporting a collection without providing validation of the debt violates both FCRA and FDCPA provisions. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has been charged-off and is still negatively affecting my credit profile. The date of delinquency and status appear inconsistent and unverifiable. 
Violations : FCRA 1681c ( a ) ( 4 ) : Reporting outdated adverse information ( potential 7+ year reporting ).

FCRA 1681e ( b ) : Failure to ensure accuracy and integrity of data. 
Note : Equifax failed to validate this tradeline or confirm its accuracy with the original furnisher when I disputed the account. 
Legal Basis for Complaint : Equifax has failed in their obligations under the Fair Credit Reporting Act, including : 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

1681i ( a ) Failure to conduct reasonable reinvestigation after dispute. 
XXXX Lack of permissible purpose for furnishing/maintaining disputed account ( XXXX ). 
XXXX XXXX outdated negative information beyond allowed timeframe. 
Requested Relief : XXXX. Immediate deletion of the inaccurate address XXXX XXXX XXXX, XXXX XXXX, LA XXXX from my credit file. 
XXXX. Deletion or proper validation of the XXXX XXXX and XXXXXXXX XXXX XXXX XXXX tradelines. 
3. A full investigation and verification with original creditors, not just data furnishers.

4. Written confirmation of the actions taken and corrected credit report.

5. Civil penalties against Equifax for negligent and willful noncompliance.

Declaration : I affirm under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief