Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
To Whom It May Concern I am filing this formal complaint against Equifax for their repeated failure to accurately report and investigate critical information on my consumer credit report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and related federal protections I am the victim of multiple inaccurate and unauthorized entries which include a wrong address and invalid collection accounts that are negatively impacting my credit profile and financial stability despite previous attempts to resolve these issues Equifax has continued to report and verify false and misleading information which is a clear violation of my consumer rights under FCRA and the Consumer Financial Protection Bureaus guidelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Wrong Address Issue : This address is inaccurately listed on my Equifax credit report I have never resided at this location nor have I ever used it in connection with any financial accounts or applications Reporting this address as associated with my identity is false misleading and a direct violation of FCRA Section 607 ( b ) which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy I am the rightful consumer and I have a permanent verifiable address which is not XXXX XXXX XXXX XXXX XXXX XXXX IXXXX MO XXXX The inclusion of this address suggests possible mixed file or identity theft concerns and I request immediate deletion of this address from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$630.00} Collection Issue : This account is being falsely reported as a valid collection on my Equifax report XXXX XXXX XXXX is reporting this as a collection account without validating the debt under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ) and FCRA 15 USC 1681i which gives me the right to dispute any inaccurate or unverifiable information I have no contract or agreement with this debt collector and I have not received any proper documentation validating the ownership or accuracy of this alleged debt This account is creating damage to my creditworthiness and Equifax has failed to reasonably investigate my prior disputes This is a willful and negligent violation of FCRA 15 USC 1681e ( b ) which mandates that all information be accurate and complete XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$850.00} Collection Issue : This collection is inaccurately reported on my file and has not been validated pursuant to FDCPA Section 809 ( b ) I have not received any written notice informing me of my right to dispute this debt and the reporting is done without my knowledge or consent Additionally this tradeline is causing me severe credit harm and Equifax has not removed it despite multiple disputes Reporting unverifiable and disputed debts without conducting proper reinvestigation is a violation of FCRA 15 USC 1681i ( a ) and Equifax is failing to meet its legal responsibility to maintain accurate consumer information under FCRA 15 USC 1681e ( b ) Summary : I am requesting Equifax be held accountable for its repeated violations of federal law for reporting inaccurate information on my credit file I have made multiple attempts to resolve these issues through formal disputes and Equifax has willfully failed to correct these errors My credit score has suffered due to the presence of unauthorized addresses and unverifiable collection accounts which are not supported by any contract or original creditor documentation I am now seeking the CFPBs urgent intervention to require Equifax to remove the inaccurate address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX and to delete the collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX for their failure to comply with FCRA and FDCPA obligations These continued inaccuracies are reckless negligent and harmful and I request all unlawful negative information be permanently deleted from my Equifax credit file immediately in accordance with my consumer rights

Company response to consumer: Closed with non-monetary relief