Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for willfully violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax has continued to report false address information, inaccurate and derogatory account data, and unauthorized inquiries, despite previous attempts to request reinvestigation. These actions are misleading, damaging, and violate my federal rights under the FCRA.

Issues Identified : 1. Inaccurate Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not now and has never been my residence. This incorrect address is damaging my credit profile and associating me with fraudulent/irrelevant accounts.

Violation : FCRA 1681e ( b ) Equifax is required to maintain accurate and complete records.

FCRA 1681i ( a ) ( 1 ) ( A ) Equifax must conduct a reasonable reinvestigation upon dispute.

2. Inaccurate Account Reporting XXXX XXXX XXXX  Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Multiple late payments are being reported inaccurately. These alleged delinquencies were never properly verified by the furnisher, and I was not given notice of negative reporting as required under the law.

Violations : FCRA 1681s-2 ( a ) Furnishers must not report information they know is inaccurate.

FCRA 1681i Equifax must conduct a thorough reinvestigation upon consumer dispute.

FCRA 1681c ( a ) ( 5 ) Must not include obsolete information.

Narrative : This account has reported late payments inaccurately, harming my credit standing. I have not received any formal validation of this debt, nor was I notified properly before derogatory data was added to my report. I demand full reinvestigation and removal unless the data can be verified per FCRA standards. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is listed as Charge Off despite being resolved. Reporting a charge-off after resolution is misleading and materially harmful.

Violations : FCRA 1681s-2 ( b ) Duty to correct and update information.

FCRA 1681e ( b ) Duty to ensure maximum possible accuracy.

Narrative : This account reflects a status of " Charge Off '' even though it has been resolved and no balance is owed. Continued reporting of negative status without proper update is deceptive and violates my rights. Equifax has failed to reasonably update this entry.

3. Unjust/Unauthorized Hard Inquiries XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this hard inquiry. There is no record of any application with this entity. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : This inquiry was performed without my consent or any permissible purpose. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I have not applied for any services or credit with this business.

Violation for All Inquiries : FCRA 1681b ( a ) A credit bureau may only furnish a consumer report if there is a permissible purpose.

FCRA 1681b ( c ) Hard inquiries require the consumers explicit consent.

Narrative : These hard inquiries are unauthorized and causing unnecessary damage to my credit score. I have no existing or past business with these companies and never provided written consent to pull my credit. Equifax has failed to ensure the inquiries were conducted for lawful reasons.

Legal Summary : Equifax is in violation of the following FCRA statutes : 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

1681i : Failure to reinvestigate disputed information.

1681b : Unauthorized access of credit reports.

1681s-2 ( a ) & ( b ) : Reporting false data and failure to update/correct it.

1681c : Inclusion of obsolete or outdated information.

Relief Requested : I respectfully request the CFPB to take the following actions : 1. Order Equifax to immediately remove the inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
2. Remove or correct all erroneous and unverifiable information regarding the listed accounts and inquiries.

3. Sanction Equifax, if appropriate, for repeated failure to maintain accurate consumer records.

4. Provide a detailed reinvestigation report with source documentation for all verified entries.

Company response to consumer: Closed with non-monetary relief