Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
Equifax has continued to report inaccurate and harmful information on my credit report despite my formal disputes. These include multiple wrong addresses, duplicate and inaccurate charge-offs, and incomplete investigation responses. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take urgent action against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. All issues are listed below with supporting reasoning and legal violations. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This is not and has never been my address. I have never resided at or used this address for any credit-related activity. Equifax failed to reasonably verify this address before reporting it.

Law Violated : FCRA Section 607 ( b ) Equifax failed to maintain reasonable procedures to assure maximum possible accuracy. 
Supporting Story : Despite prior disputes, Equifax continues to report this false address, misleading creditors and harming my credit credibility. This misrepresentation raises questions about the overall integrity of the credit file and suggests Equifax is not conducting proper investigations. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I have no association with this address. This listing is inaccurate and harmful.

Law Violated : FCRA Section 605 ( b ) Equifax is required to block unv
erifiable or inaccurate information within 30 days of a dispute.

Supporting Story : This address misleads lenders into believing I have resided at a location I have no connection to. This inaccuracy may result in denial of credit or higher interest rates due to possible fraud indicators. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This is another address that has been wrongly attached to my credit profile.

Law Violated : FCRA Section 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

Supporting Story : This entry further damages my credit credibility and raises the risk of identity misassociation. It appears Equifax has not properly reviewed or verified address history, which is their legal responsibility. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Charge-Off Issue : This account is inaccurately reported. I have already disputed this and requested validation and proper reinvestigation. Equifax failed to respond appropriately and continues to list this as a charge-off without verifying accuracy.

Law Violated : FCRA Section 611 Failure to reasonably investigate consumer disputes FDCPA Section 809 ( b ) Failure to validate the alleged debt Supporting Story : This account severely affects my credit score. I requested debt validation but received no supporting documentation proving the validity or accuracy of the amount reported. It appears Equifax did not conduct an appropriate reinvestigation and is neglecting its duties under FCRA and FDCPA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Charge-Off Issue : This is a duplicate of the above-listed account. Equifax is reporting the same debt twice under different partial account numbers. This unfairly doubles the negative impact on my credit.

Law Violated : FCRA Section 607 ( b ) Failure to ensure accuracy FCRA Section 605 Reporting obsolete, duplicate, or unverifiable accounts FDCPA Section 807 ( 8 ) False representation or misleading credit information Supporting Story : Duplicate entries for the same debt are deceptive and create a distorted view of my creditworthiness. This has likely contributed to credit denials and unjust interest hikes. I have previously disputed this and yet Equifax has failed to correct or even acknowledge the duplicate reporting.

Requested Action : I am requesting the CFPB to enforce a full investigation into Equifaxs practices regarding my file. All the addresses listed must be deleted immediately. Both XXXX XXXX accounts must be validated or deletedespecially the duplicate one. Equifax should also be fined for continuing to report unverified and damaging information and for failing to maintain reasonable procedures for accuracy.

Company response to consumer: Closed with non-monetary relief