Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax because I sent Equifax a comprehensive written dispute on XX/XX/XXXX, and the bureau failed to respond within 30 days as required by law. In my dispute letter, I detailed numerous inaccuracies on my Equifax credit report, including wrong personal information, invalid account entries, and unauthorized inquiries ( outlined below ). Equifax has not provided any investigation results or updates regarding my dispute, despite the fact that more than 30 days have passed since they received my letter. This non-response violates the Fair Credit Reporting Act specifically, Equifax did not complete the required reinvestigation of my dispute within the 30-day time frame mandated by 15 U.S.C. 1681i. Equifaxs inaction means the erroneous information is still on my credit report, indicating Equifax is not upholding its duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. Moreover, since Equifax has not removed the disputed items, it is also in violation of 15 U.S.C. 1681i ( 5 ), which requires a credit bureau to delete unverifiable or inaccurate information after a dispute investigation. The continued presence of these items likewise suggests that the furnishers of the information are not honoring their responsibilities under 15 U.S.C. 1681s-2 to report truthful data and correct errors. In sum, Equifaxs failure to act on my dispute is a serious FCRA compliance issue that needs to be addressed to prevent further harm to me. Disputed Personal Information Entries : ( as identified in my XX/XX/XXXX Equifax dispute letter ) XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX No longer my address. This is an outdated address that I have not lived at for some time. It should not be listed as current on my Equifax report. I asked Equifax to remove this old address. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Incorrect address. This entry appears to be a bogus or misformatted address ( XXXX XXXX XXXX XXXX XXXX is not a valid address where Ive lived ). Its an error that needs deletion from my file. 
XXXX Employer : XXXX  Wrong employer. Equifax lists XXXX as an employer on my report, which is incorrect. I have never been employed by any company of that name. ( My actual employer, XXXX XXXX XXXX, is correctly listed separately. ) This false employer entry should be deleted. 
Disputed Account Entries : ( appearing on Equifax report ; all disputed in my XX/XX/XXXX letter ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account Original creditor XXXX ~ {$1100.00} ) Unsubstantiated collection. This collection account for a purported XXXX debt is not mine. I do not owe this debt, and XXXX has never provided validation. Its an inaccurate account that Equifax should not be reporting without verification. 
XXXX Source XXXX XXXX ( Collection account Original creditor XXXX ~ {$1100.00} ) Erroneous duplicate account. This entry is a duplicate or legacy record of the same XXXX collection noted above. The debt was transferred ( or the account was closed ), so this duplicate listing should have been removed. Its presence on my Equifax report is an error that I disputed. 
XXXX XXXX XXXX ( Credit Card XXXX, ~ {$3700.00} ) Questionable charge-off entry. Equifax is reporting this XXXX XXXX account with a charge-off and balance, but the information is likely inaccurate or outdated. After the charge-off, the account may have been sold or resolved elsewhere, so Equifax should not list it as an active derogatory account without proper verification. I disputed this because the details on this tradeline are not fully accurate or proven. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Incorrect late payment history. One of my XXXX  loans through XXXX is showing multiple late payments on Equifax that are not correct. I formally disputed these supposed delinquencies, as I have records indicating payments were made on time. Equifax has neither removed nor corrected the false late payment entries. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Unverified derogatory marks. Another XXXX student loan account on my Equifax report has similar inaccurate late payment notations. The creditor has not verified these marks, yet Equifax continues to report them, which is wrong. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Repeated error in reporting. This is yet another student loan entry where erroneous late payments are listed. It appears Equifax duplicated the same error across multiple loan accounts ( each loan showing the same incorrect negative information ). This compounds the damage to my credit and underscores a failure in Equifaxs accuracy controls. 
XXXX Department of Education/XXXX XXXX XXXX XXXX XXXX Disputed late payment data. A fourth student loan tradeline with inaccurate delinquency information. I contested these late payment records as they are not factual. Equifax should have either verified these with actual evidence or removed them neither of which has happened. 
Unauthorized Hard Inquiries : ( on Equifax report ; disputed as unauthorized in my XX/XX/XXXX letter ) XXXX XXXX XXXX  ( XXXX  ) Hard inquiry on XX/XX/XXXX. Unauthorized pull. I never sought new credit from XXXX around this date and did not authorize this inquiry on my Equifax report. No permissible purpose exists for it. 
XXXX XXXX XXXX  Hard inquiry on XX/XX/XXXX. Unauthorized pull. I had no dealings with XXXX XXXX  at that time that would require a credit check. I did not consent to this inquiry being made. 
XXXX XXXX XXXX  Hard inquiry on XX/XX/XXXX. Unauthorized pull ( duplicate ). This is an apparent second hard inquiry by XXXX Mortgage within a short period ( see XXXX ), and I did not authorize it either. Its a duplicate unauthorized inquiry on my Equifax file. 
XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX. Unauthorized pull. I was not applying for credit with XXXX XXXX on this date. This inquiry was done without my permission and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX. Unauthorized pull. During a visit to XXXX XXXX XXXX, a credit check was run without my explicit consent. I did not authorize Equifax to be accessed for that inquiry. 
XXXX XXXX XXXX  XXXX inquiry on XX/XX/XXXX. Unauthorized pull. I did not initiate any credit request with XXXX XXXX  in XX/XX/XXXX. This inquiry was done without my knowledge or approval and is improperly lingering on my Equifax report. 
All the above-listed inaccuracies the old addresses, wrong employer, invalid accounts, and unapproved inquiries were specifically pointed out in my XX/XX/XXXX dispute letter to Equifax. I gave Equifax proper notice and information to investigate these matters. However, Equifax did not investigate or respond within the 30 days required by the FCRA, nor did it correct any of these entries. Equifaxs failure to act has left me with a credit report that contains numerous errors, which is both unfair and illegal under federal law.

Company response to consumer: Closed with non-monetary relief