Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax for continued reporting of inaccurate, unverified, and outdated information on my credit report. Equifax has violated several provisions of the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to ensure accuracy, and by not adequately responding to my prior disputes. 

The following items are currently causing unjust damage to my creditworthiness : Item XXXX : XXXX XXXX XXXX, XXXX, NY XXXX Issue : This is not a valid address associated with me.

Law : FCRA 607 ( b ) Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. 
Story : I have never lived at or used this address. Its presence on my credit report is erroneous and leads to confusion about my identity. Ive submitted disputes, but Equifax has not removed it. This inaccurate reporting creates risk and damages my financial profile. 

Item XXXX : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Issue : This is another wrong address listed under my file.

Law : FCRA 602 ( A ) ; 610 ( a ) Consumers must be protected from reporting errors that misidentify them.

Story : I have no affiliation with this address. Equifaxs failure to remove it after prior notification reflects a disregard for data accuracy and a violation of my rights under the FCRA. 

Item XXXX : XXXX # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$0.00} XXXX XXXX  Issue : Charged-off account with high credit listed as {$0.00} inconsistent and misleading.

Law : FCRA 607 ( b ) ; 611 ( a ) Data must be complete, accurate, and verifiable.

Story : This account reflects a charge-off, yet no credit usage is recorded. The discrepancy raises serious doubts about the accounts validity. Equifax has not provided proof or correction, failing their legal responsibility to investigate disputed data thoroughly. 

Item XXXX : XXXX  # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$630.00} XXXX XXXX Issue : Late payments reported on a recently opened account with questionable accuracy.

Law : FCRA 609 ( a ) ( 1 ) ; 611 ( a ) Consumers have the right to dispute and request verification. 
Story : I requested validation for this account, including payment history and delinquency records. Equifax failed to provide supporting documentation and continues to report harmful delinquencies. This undermines my creditworthiness and is unlawful. 

Item XXXX : XXXX  # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} XXXX XXXX Issue : Inaccurate late payments with no supporting documentation or correction.

Law : FCRA 602 ( A ) ; 607 ( b ) All data must be fair, accurate, and fully verifiable. 
Story : I have previously disputed this item due to inconsistencies in payment records, but Equifax has failed to provide any evidence or remove the derogatory remarks. This ongoing inaccuracy is unjust and unlawful. 

Item XXXX : XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry harming my credit profile.

Law : FCRA 604 ( a ) ( 3 ) Permissible purpose is required for any credit inquiry. 
Story : I never authorized or applied for credit with XXXX, yet Equifax allowed this hard inquiry to appear on my report. It was done without my knowledge or consent and continues to impact my score negatively. 

Conclusion : These unresolved errors show a consistent pattern of negligence by Equifax, violating my rights under the FCRA. I am requesting that the CFPB investigate Equifaxs failure to uphold federal consumer protection laws, and that Equifax be required to correct or delete the inaccurate items listed above. 

I respectfully demand full deletion or correction of these entries, proper reinvestigation, and enforcement of compliance to prevent further damage to my credit reputation.

Company response to consumer: Closed with non-monetary relief