Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
I am filing this complaint against Equifax for reporting multiple inaccurate and unverifiable items on my credit report which is causing severe harm to my financial well-being and peace of mind. Despite my previous dispute attempts, Equifax has failed to properly investigate and remove these inaccurate items in violation of the Fair Credit Reporting Act ( FCRA ). Below is a list of accounts and issues I am disputing : XXXX XXXX XXXX XXXX  XXXX, LA XXXX Wrong Address This address is completely inaccurate and does not belong to me. I have never resided at this location and it should not be listed on my credit file. Under FCRA Section 607 ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. Reporting this false address violates that obligation and creates confusion in my report history. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Wrong Address This address is also not associated with me. I have no connection to this residence and it is an error on my credit file. Equifax is in violation of FCRA Section 602 ( A ) which requires fair and accurate credit reporting. The presence of this incorrect address indicates a failure in Equifaxs data verification process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reporting late payments that I fully dispute. I demand proof of these alleged delinquencies, which Equifax has failed to provide. Under FCRA Section 611 ( a ), I have the right to dispute incomplete or inaccurate information, and Equifax is obligated to conduct a reasonable investigation. Reporting derogatory payment history without proper validation is misleading and unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment This account is reporting false late payments which I do not recognize. I never missed a payment, and Equifax has not validated these claims with any supporting documentation. As per FCRA Section 609 ( a ) ( 1 ), I have a right to request and obtain the sources and methods used in the investigation. Equifaxs continued reporting of this derogatory data is negligent and damaging. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection This collection account is completely inaccurate and unverifiable. I never received notice regarding this debt and I dispute the validity of this account. According to FCRA Section 623 ( b ), once a consumer disputes information, the furnisher and credit bureau must investigate and delete inaccurate data. Equifaxs failure to remove this collection shows blatant non-compliance with federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment This account is falsely reporting late payments. I request documented proof of any delinquency, which has not been provided by Equifax or the creditor. Under FCRA Section 611 ( a ) ( 5 ) ( A ), if an item is found to be inaccurate or unverifiable, the credit reporting agency must delete it. Equifaxs refusal to do so is a clear breach of my rights. 
Equifax has failed to fulfill its duty to report accurate, complete, and verifiable information as mandated under the FCRA. The continuous reporting of incorrect personal data and delinquent accounts without proper validation is reckless and harmful. I request that the CFPB investigate Equifaxs practices and hold them accountable for these violations. I demand permanent removal of all inaccurate addresses, unverifiable late payments, and collections from my credit file immediately.

Company response to consumer: Closed with explanation