Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax for reporting multiple inaccurate, outdated, and unverifiable entries on my credit report. Despite dispute efforts, these items remain unresolved and are harming my financial profile. I am requesting immediate investigation and relief under the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the disputed items with supporting details and applicable FCRA violations : Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have never lived at these addresses. 
FCRA Violation : 609 ( c ) ( 2 ) ( E ), 602 ( A ) Impact : These addresses misrepresent my identity and may cause misassociation with accounts that are not mine.

Relief Requested : Immediate deletion of these addresses from my Equifax report. 

Accounts with Inaccurate or Harmful Information XXXX Acct XXXX : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late payment reported on a fully paid account. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Story : This account was settled in full. Reporting a late payment when the balance is XXXX is inaccurate and unfairly damages my payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$880.00} | Late Payment * * Issue : Late payment added during a financial hardship period.

FCRA Violation : 623 ( a ) ( 1 ) ( A ), Metro 2 Guidelines Story : I communicated with the creditor during a hardship, yet a late mark was still added. This violates fair and accurate reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late mark on an account with {$0.00} balance. 
FCRA Violation : 602 ( A ) Story : This account has been resolved and paid off. Reporting a late payment now is factually incorrect and misleads lenders reviewing my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Obsolete derogatory data still being reported. 
FCRA Violation : 605 ( a ) ( 5 ) Story : This account is over 7 years old. Any negative history should no longer appear by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$680.00} | Collection * * Issue : Debt not properly validated. 
FCRA Violation : 623 ( b ) ; FDCPA 809 ( b ) Story : I disputed this debt and requested documentation. No validation was ever provided, yet it remains on file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Charge-off unverified and unresolved. 
FCRA Violation : 611 ( a ) ( 1 ), 623 ( b ) Story : I have not received any notice or proof that I owe this debt. Continued reporting is harmful and unlawful. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late mark remains after account was settled. 
FCRA Violation : 623 ( a ) ( 2 ) Story : This account was resolved. Reporting it as delinquent is misleading and must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1600.00} | Charge Off * * Issue : Charge-off reported prematurely and with inflated balance. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) ; Metro 2 compliance Story : I was in active communication with the creditor regarding resolution. It was charged off unfairly and does not reflect the correct balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Duplicate XXXX account being reported with derogatory data. 
FCRA Violation : 611 ( b ), 605 ( a ) Story : This appears to be a duplicate of the more recent XXXX account. It is outdated and should not be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Charge-off reported without validation. 
FCRA Violation : 623 ( b ), 611 ( a ) ( 1 ) Story : I never received a formal breakdown or validation of this charge-off. I dispute its accuracy entirely. 

Unauthorized Hard Inquiry XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry performed without my knowledge or written authorization. 
FCRA Violation : 604 ( a ) ( 2 ), 604 ( c ) Story : I did not authorize this inquiry and was not actively seeking credit from this company. It must be removed.

Relief Requested from CFPB : Compel Equifax to conduct a full reinvestigation of all disputed entries listed above. 

Remove all inaccurate addresses, outdated negative marks, unverifiable collections, and unauthorized inquiries. 

Provide documentation or verification for each item, or delete them if proof can not be produced within FCRA time limits. 

Ensure full compliance with all FCRA and FDCPA provisions. 

Deliver a corrected copy of my Equifax credit report after resolution. 

These errors are unjustly damaging my ability to qualify for housing, employment, and fair credit access. I am requesting the CFPBs intervention to hold Equifax accountable for their failure to maintain accuracy and fairness in their reporting.

Company response to consumer: Closed with non-monetary relief