Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple inaccuracies and unverifiable items that have caused significant harm to my credit profile. Despite my efforts to dispute these issues directly with Equifax, the errors remain uncorrected, which is a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). These laws require credit reporting agencies to maintain accurate information, follow reasonable procedures to verify data, and promptly correct any errors upon dispute.

First, my report lists two addresses that have never been associated with me : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Reporting false addresses misrepresents my residency history, creates risks of identity theft, and violates FCRA 607 ( b ), which requires all information to be accurate. 

Additionally, my report contains several accounts that report inaccurate late payments and unverifiable derogatory information : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2500.00} DOE XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$96000.00} XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1500.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} Several of these accounts report late payments that contradict my records of timely payments. Some accounts are older than the permissible reporting period under FCRA 605 ( a ), and one student loan account has been corrected by the servicer but remains inaccurately reported. Reporting unverifiable or outdated accounts violates FCRA 611, which requires a reasonable reinvestigation and removal of inaccurate items.

My report also contains collection accounts that are unverifiable : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$350.00} XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$380.00} The second collection account even shows a future open date, making it impossible and clearly inaccurate. Under FDCPA 809 ( b ), these accounts must be verified before being reported. The continued reporting of unverifiable collections is a violation of both FDCPA and FCRA 607 ( b ).

Finally, my credit report contains unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX | XX/XX/XXXX I did not authorize these inquiries. Under FCRA 604, all inquiries must have a permissible purpose, and reporting unauthorized inquiries is a direct violation of my rights as a consumer.

Equifax has failed to conduct meaningful reinvestigations despite multiple disputes and supporting documentation. The continued presence of these inaccurate addresses, late payments, collections, and inquiries is damaging my credit score, creating barriers to fair credit opportunities, and causing unnecessary financial and XXXX XXXX 

I am requesting that the CFPB require Equifax to conduct a complete reinvestigation of all disputed items, remove any unverifiable or inaccurate information, and provide me with a corrected copy of my credit report reflecting all updates. These actions are necessary to ensure compliance with FCRA 607 ( b ), 611, and FDCPA 809 ( b ) and to restore the accuracy and integrity of my credit profile.

Company response to consumer: Closed with explanation