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: MO

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C XXXX et seq., for continuously reporting inaccurate personal information, unauthorized inquiries, and multiple unverifiable and erroneous derogatory tradelines, despite my repeated attempts to dispute and correct these records. 
XXXX. Inaccurate Addresses Reported on My Credit File : XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX These addresses are incorrect and have no connection to me. Their presence on my credit report suggests a possible case of mixed file or identity theft, which is a violation of FCRA XXXX ( b ) reasonable procedures to assure maximum possible accuracy. 
Despite my disputes, Equifax failed to remove these false addresses. This is negligent and harms my credit reputation. 
XXXX. Accounts with Inaccurate and Harmful Reporting XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Status : Charge-Off Issue : This account is being inaccurately reported as a charge-off. I have not received validation of debt or lawful notice regarding this derogatory mark. 
Violation : FCRA XXXX Failure to conduct reasonable investigation after dispute FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FDCPA XXXX Lack of debt validation XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has never been properly validated or verified. It continues to appear despite prior disputes and lack of documentation proving the debt 's legitimacy. 
Violation : FCRA XXXX ( a ) ( XXXX ) & ( XXXX ) Failure to delete inaccurate information FCRA XXXX Permissible purpose violations XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX ( XXXX identical entries ) Date Opened : XX/XX/XXXX High Balance : {$1200.00} Status : Collection Issue : This debt has been listed twice on my credit report, creating an artificially negative impact on my score. I never received proper notice or validation of this debt. 
Violation : FCRA XXXX ( b ) Duplicate entries showing same debt FDCPA XXXX ( XXXX ) ( A ) Misrepresentation of debt FDCPA XXXX No validation of debt RIVER REGION CREDIT Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Status : Charge-Off Issue : This charge-off is being reported inaccurately. I have not received a statement or any contact regarding this account and dispute its validity. 
Violation : FCRA XXXX Failure to correct or remove inaccurate info after dispute FDCPA XXXX Lack of validation XXXX. Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were done without my knowledge or authorization. I did not apply for credit with these companies on the listed dates. These may have occurred due to an inaccurate file merge or identity compromise. 
Violation : FCRA XXXX ( c ) Inquiries made without a permissible purpose FCRA XXXX ( a ) Failure to maintain procedures to avoid unauthorized access Summary of Violations by Equifax : Failing to maintain maximum accuracy : FCRA XXXX ( b ) Failing to investigate disputes : FCRA XXXX Allowing unauthorized inquiries : FCRA XXXX Duplicative debt reporting and unverifiable accounts : FDCPA XXXX and XXXX Relief Requested : XXXX. Immediate deletion of the inaccurate addresses listed above. 
XXXX. Full deletion of the unverifiable and duplicate accounts listed above. 
XXXX. Removal of the unauthorized hard inquiries. 
XXXX. A formal reinvestigation report and validation documents for each disputed item. 
XXXX. Compensation for damages caused by Equifaxs negligence and FCRA violations. 
Declaration : I certify that the above information is true to the best of my knowledge and request urgent action on this complaint. If this is not resolved in good faith, I intend to escalate this matter further via the FTC and potentially through legal counsel for FCRA and FDCPA violations.

Company response to consumer: Closed with explanation