Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for failing to correct or remove multiple inaccurate, outdated, and unauthorized items from my credit report. Despite my previous disputes, Equifax has not conducted a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). These reporting failures are causing serious harm to my financial reputation and access to credit.

Below is a breakdown of each disputed item, the issue, applicable legal violations, and the basis of my complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate address reporting. 
Law Violated : FCRA 607 ( b ) Obligation to report accurate consumer information.

Complaint : I have never lived at this address. Equifax has failed to remove it despite clear evidence and my dispute. Its continued reporting raises the risk of file contamination and misidentification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect and outdated address. 
Law Violated : FCRA 609 ( c ) ( 2 ) ; 610 Right to dispute inaccurate information and reinvestigation.

Complaint : This address is not part of my residence history. I have no connection to it, yet Equifax continues to report it as if it were valid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$560.00} Issue : Late payment misreported during a financial hardship.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Accuracy of information furnished by creditors.

Complaint : I requested that this account be reviewed due to hardship-related circumstances during the time of delinquency. Equifax has refused to consider or validate the context and continues to harm my credit with outdated data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$14000.00} Issue : Charge-off with no documentation or validation. 
Law Violated : FCRA 611 ( a ) ; 623 ( a ) ( 1 ) ( A ) Complaint : I have disputed this entry and requested proof, but none has been provided. This is a decade-old alleged debt that should have been removed or verifiedEquifax has done neither. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} Issue : Collection reported without debt validation.

Law Violated : FDCPA 809 ( b ) ; FCRA 611 ( a ) Complaint : This debt appeared on my credit report without prior communication or validation. The collector failed to send any notice or proof, and Equifax has maintained the account in violation of federal law. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$66.00} Issue : Suspected billing error or duplicate debt. 
Law Violated : FCRA 604 ( a ) ( 3 ) ; FDCPA 807 ( 8 ) Complaint : This collection was never verified, and I received no communication before it appeared on my report. Equifaxs failure to investigate or remove it is a clear violation. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$400.00} Issue : Debt was never validated before being reported. 
Law Violated : FCRA 611 ( a ) ; FDCPA 809 ( b ) Complaint : I never received validation for this debt, and despite multiple disputes, Equifax continues to allow it to remain. It is likely erroneous or fraudulent. 

XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement.

Complaint : I did not authorize this inquiry and was not applying for credit from XXXX or XXXX. Equifax failed to confirm that the inquiry had a valid purpose before posting it. 

XXXX Inquiry XX/XX/XXXX Issue : Hard inquiry performed without consumer consent. 
Law Violated : FCRA 604 ( a ) Complaint : This inquiry was unauthorized and conducted without my knowledge. I never applied for any service or product from XXXX or XXXX on or near this date. Equifax must be held accountable for allowing unauthorized access to my credit file.

Summary of Complaint : Equifax has violated multiple sections of the FCRA and FDCPA by : Reporting false and outdated addresses Maintaining unverifiable charge-offs and collections Failing to remove unauthorized and unvalidated inquiries Ignoring my legally protected right to a complete and fair investigation These errors have resulted in credit denials, increased interest rates, and emotional distress. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these failures, compel Equifax to correct my report, and hold them accountable for their continued noncompliance.

Company response to consumer: Closed with non-monetary relief