Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agency for continued reporting of false and inaccurate information on my credit report, which is causing severe harm to my financial stability, mental health, and creditworthiness. Despite multiple attempts to rectify these inaccuracies, the agency continues to report erroneous information in violation of federal consumer protection laws. Below are the specific items being disputed : XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS ( MULTIPLE VARIANTS ) Issue : This address is repeatedly appearing on my report in slightly different formats ( with and without ZIP+4 ). I do not reside, nor have I ever resided, at this location. 
Law Violated : FCRA 602 It is the responsibility of consumer reporting agencies to exercise fairness, impartiality, and respect for the privacy of consumers. 
FCRA 611 Failure to conduct proper reinvestigation when disputed. 
Story : The repeated inclusion of this address gives a false impression of my residency and contributes to confusion regarding my identity. It suggests potential mixed files or data contamination. This negligence is impacting my right to accurate credit reporting. 
XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX CHARGE OFF * * High Balance : {$56000.00} | Date Opened : XX/XX/2021 Issue : This account is listed as charged-off without my proper knowledge or legal notification. I never received any certified mail or documentation regarding delinquency or final demand. 
Law Violated : FCRA 623 ( a ) ( 5 ) If an account is being charged off, it must be reported accurately with the correct date of first delinquency. 
FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. 
FCRA 611 Consumer 's right to dispute inaccurate information. 
Story : This charge-off was never communicated to me and I believe it was done in error or due to misapplied payments. It has now been used against me in employment screenings and financial applications. I have been emotionally distressed and financially harmed due to this unverified charge-off status. 
Conclusion : I am a law-abiding citizen who maintains careful track of my credit profile. However, the presence of false addresses, inaccurate late payments, and unverified charge-offs is a gross violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors have harmed me personally and financially. I am requesting the CFPB to initiate a full investigation and demand the immediate removal or correction of these items. 
I request a complete reinvestigation and deletion of any unverifiable or inaccurate items, along with supporting documentation, and a formal resolution in writing. If these are not corrected, I will explore further legal remedies. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief