Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am submitting this formal complaint against Equifax for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal laws. Despite repeated efforts to resolve inaccuracies and erroneous data on my Equifax credit report, Equifax continues to report false and misleading information that is damaging my creditworthiness, financial stability, and emotional well-being. These reporting errors include an incorrect address, multiple charge-offs, late payments, collections, and unauthorized hard inquiries. I dispute the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at this address and it is being inaccurately reported on my Equifax credit file without any validation or permissible purpose. This address is causing my credit profile to be associated with accounts and activities not belonging to me. 
Law : FCRA Section 609 ( c ) ( 2 ) grants me the right to dispute inaccurate address data. FCRA Section 611 requires consumer reporting agencies to investigate disputed information within 30 days. Equifaxs failure to delete this unverifiable address constitutes a willful violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account has been charged off but I never received proper notification, and I dispute the accuracy of the balance and status. This tradeline negatively impacts my report and was not adequately verified before reporting. 
Law : FCRA Section 623 requires furnishers to report only accurate data. FCRA Section 611 mandates an investigation of disputed information. FDCPA Section 807 ( 8 ) prohibits reporting false credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX Charge Off Issue : The account was listed as charged off even though I was under a payment arrangement. The status is misleading and does not reflect my efforts to resolve it. 
Law : FCRA Section 623 and FDCPA Section 807 require accurate and non-deceptive reporting. Equifax failed to conduct a reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Issue : This account inaccurately reflects late payments that were caused by billing issues and were immediately resolved. The reporting is outdated and harmful. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires accurate furnishing. FCRA Section 605 ( b ) prohibits outdated or incorrect reporting of adverse events. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Late Payment Issue : The alleged late payments on this account are inaccurate. I submitted proof of payment and dispute their validity. Equifax has failed to correct this. 
Law : FCRA Sections 623 and 611 mandate correction of false information. FDCPA prohibits misrepresentation of debt status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Issue : This tradeline is reported with delinquencies that I have contested multiple times. No valid verification has been provided. 
Law : FCRA Section 611 and 623 require reinvestigation and accurate reporting. Failure to correct is a violation of consumer protection standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Issue : I never received a notice of default or charge-off. This item was reported without affording me due process to rectify the matter. 
Law : FCRA Section 609 and FDCPA Section 809 ( b ) require proper validation and consumer notification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This high-value account is being falsely reported with missed payments, despite auto-draft authorization and proof of timely payments. 
Law : FCRA Section XXXX ( a ) ( XXXX ) obligates furnishers to update and correct information. XXXX inaction violates this statute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection Issue : This collection account is unverified and reported without proper documentation. I never received notice of collection rights or debt validation. 
Law : FDCPA Section XXXX ( b ) requires debt XXXX to validate debt within XXXX days of first contact. FCRA Section XXXX ( b ) mandates data accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Collection Issue : This account is falsely associated with me and has no supporting documents proving I authorized it. 
Law : FCRA Section XXXX entitles me to dispute inaccurate collections. FDCPA Section XXXX prohibits deceptive practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off Issue : I never received a charge-off notice from XXXX. The amount is disputed and XXXX contain inflated or duplicative charges. 
Law : FCRA Section XXXX ( b ) ( XXXX ) requires prompt correction of inaccurate data. Equifax did not validate this tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$200.00} Date Opened : XX/XX/XXXX Charge Off Issue : This is a utility account I never opened. This XXXX be a result of identity theft or misreporting. 
XXXX : FCRA Section XXXX allows for blocking of identity theft-related information. Equifax must remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX Collection Issue : This is an unauthorized collection entry I never agreed to. No communication or validation occurred before reporting. 
Law : FDCPA Sections 809 and 807 require validation and prohibit false representation. FCRA requires investigation. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This inquiry was made without my knowledge or authorization. I never consented to a hard pull by this entity. 
Law : FCRA Section XXXX requires permissible purpose for all credit inquiries. Equifax has violated this by allowing unauthorized access. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This inquiry is unauthorized and connected to an auto loan I never applied for. 
Law : FCRA Section XXXX ( a ) ( XXXX ) defines permissible purposes. This was not XXXX, and thus the inquiry is unlawful. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : I never visited or did business with this dealership. The inquiry is fraudulent. 
Law : Under FCRA Section 604, inquiries must be initiated with consumer consent. This violates my consumer rights. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : A second inquiry by the same dealership, again unauthorized. Indicates repeated misuse of my information. 
XXXX : This is a clear breach of FCRA permissible purpose guidelines. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This inquiry was never initiated by me and has negatively impacted my credit score. 
Law : FCRA Section XXXX ( a ) restricts hard inquiries without consumer consent. This is noncompliant reporting by Equifax. 
Equifax has failed in its duty under federal law to ensure maximum possible accuracy of my credit file, as required by FCRA Section 607 ( b ), and has neglected its responsibilities under FCRA Sections 611 and 623. I am requesting the immediate deletion or correction of all the inaccurate, unverifiable, and unauthorized information listed above. These errors are causing me financial harm and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate Equifaxs continued failure to comply with its legal obligations and to hold them accountable under federal law.

Company response to consumer: Closed with non-monetary relief