Consumer complaint received 2025-06-30 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 filing this complaint against Equifax for knowingly and willfully reporting false, inaccurate, and unverifiable information on my credit report. Despite multiple disputes, Equifax has failed to remove or correct the information, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, specifically Sections 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). The following items are being disputed : XXXX XXXX XXXX, GA XXXX Wrong Address this address does not belong to me and has no connection to my personal, residential, or credit history. under FCRA Section 1681e ( b ), credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the information they report. failure to remove this false address represents negligence in maintaining my accurate identity data XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address this address is also completely incorrect and unknown to me. its inclusion indicates that Equifax has failed to verify identity-related data as required under FCRA 15 USC 1681e ( b ) and 1681c. reporting such inaccurate personal information can cause identity confusion, misassociation of accounts, and serious reputational damage XXXX XXXX XXXX XXXX XXXX  High Balance : {$690.00} Date Opened : XX/XX/XXXX Late Payment this account is showing an alleged late payment which I dispute. I was not provided any late notice nor was there any proper billing cycle violation. Equifax failed to verify the accuracy of this derogatory reporting despite my dispute. this is a violation of FCRA 1681s-2 ( b ), which requires furnishers to investigate disputes and report accurate information. continued reporting without validation has caused me emotional distress and denial of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off this account is being reported as a charge-off with {$0.00} balance which is contradictory and misleading. if the balance is XXXX, it can not be considered charged-off. I never received notice of default nor any validation letter under FDCPA 809 ( 15 USC 1692g ). this inaccurate reporting violates both the FCRA and FDCPA and shows Equifaxs failure to verify before including damaging tradelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Charge Off this charge-off is reported without any prior validation or dispute response. Equifax failed to conduct a reasonable reinvestigation per FCRA 1681i ( a ). no documentation was ever provided to validate the debt, nor was I given a fair chance to correct or dispute the charge before it affected my credit profile. this false negative entry has damaged my score and credibility XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off this account is inaccurately being reported as charged-off and appears to be duplicative with another XXXX XXXX account. this kind of duplicate entry is a deceptive practice and constitutes re-aging of debt, which is prohibited under FCRA 1681c ( a ). I have disputed this item multiple times but Equifax has failed to correct or remove it, violating my rights and causing continued harm XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off this account also shows a charge-off status but contains inaccuracies in both the high balance and dates reported. I dispute the validity of the entire tradeline. I did not receive any charge-off notice or communication from the creditor. XXXX continued reporting without verifying the accuracy violates FCRA 1681s-2 and 1681i. my credit score has significantly suffered as a result XXXX DESTINY XXXX * * High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment this late payment report is completely inaccurate. I made timely payments and was never notified about any delinquency. the creditor has failed to provide proof or billing records to validate this claim. Equifax is required by law under FCRA 1681e ( b ) and 1681i ( a ) to investigate and remove unverifiable information. their failure to do so after my dispute is unacceptable and harmful based on these false, inaccurate, and unverifiable items, I have been denied credit opportunities, forced to accept high-interest financial products, and have suffered extreme emotional and financial distress. Equifax has shown reckless disregard of my rights as a consumer. I am requesting the Consumer Financial Protection Bureau to initiate a full investigation and order Equifax to : permanently remove all inaccurate addresses listed above delete or correct the inaccurate and unverifiable tradelines reported provide full disclosure of the investigation results and documentation used continued failure to comply with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act may result in further legal action. I request immediate resolution

Company response to consumer: Closed with non-monetary relief