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: VA

Complaint narrative:
I am filing this complaint due to Equifax 's failure to maintain accurate and verifiable information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ). Despite multiple attempts to dispute and correct these inaccuracies, Equifax has continued to report false and unverifiable data, causing significant harm to my creditworthiness and peace of mind.

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX Wrong Address This address is being reported on my Equifax credit report, although I have never resided or received any mail at this location. Reporting an address that does not belong to me violates FCRA 15 U.S. Code 1681e ( b ), which requires Equifax to follow reasonable procedures to assure maximum possible accuracy. This inaccuracy contributes to confusion, misidentification, and may link my profile to accounts that are not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Charge Off * * This account is being reported as charged off, although I have already submitted a dispute indicating inconsistencies in the reporting. No proper validation or investigation was provided. This violates FCRA 15 U.S. Code 1681i ( a ), as Equifax failed to reinvestigate and provide accurate results. The continued reporting of this charge-off without proper documentation is misleading, damaging, and unverifiable. 
XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$15000.00} Late Payment * * Late payments are being reported inaccurately on this account. I have not been provided with any written proof or signed records verifying the delinquency. Equifax has an obligation under FCRA 15 U.S. Code 1681e ( b ) to ensure maximum accuracy of all items. The failure to properly verify and the continued reporting of these late payments without confirmation from the furnisher is both negligent and unlawful. 
XXXX XXXX, XXXX Acct # : XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$33.00} Collection * * This is a collection account that I do not recognize and was never notified about. I did not receive a validation letter from the debt collector as required under FDCPA 15 U.S. Code 1692g ( a ), and Equifax failed to conduct any reasonable investigation under FCRA 15 U.S. Code 1681i ( a ). Reporting a collection without proper validation is misleading and unfair. 
XXXX XXXX XXXX Acct # : XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$470.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX has reported this account as a collection without my knowledge or consent. I have disputed this item, yet Equifax has not provided any verifiable documentation. This is a violation of FCRA 15 U.S. Code 1681i ( a ) and also suggests a failure under 15 U.S. Code 1681e ( b ). Collection accounts should not be reported without a validated debt and full transparency. 
Conclusion Equifax has failed in its legal obligation to report only accurate, complete, and verifiable information as required under the Fair Credit Reporting Act. I am requesting immediate investigation and permanent deletion of the wrong address and all unverifiable, inaccurate, or outdated accounts mentioned above. I demand that Equifax provides full documentation used to verify each item, or removes them entirely under FCRA guidelines.

Company response to consumer: Closed with non-monetary relief