Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax because they have repeatedly failed to ensure the accuracy of the information they are reporting on my credit file. Despite my rights under the Fair Credit Reporting Act ( FCRA ), Equifax continues to publish false, incomplete, and misleading data that has caused serious harm to my credit reputation and financial well-being. 

First, Equifax is reporting an address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that is not mine. This address is inaccurate and associating me with it creates confusion and violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of information. 

Equifax is also reporting multiple accounts with late payments and charge-offs that are inaccurate and misleading. For example, the XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX is showing late payments, even though the balance is {$0.00} and no late payments should be reflected. The XXXX account ( XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX is being reported as a charge-off with a {$420.00} balance, which is completely inaccurate and damaging. Another XXXX  account ( XXXX XXXX XXXX  ) opened on XX/XX/XXXX is also showing late payments even though it carries a {$0.00} balance. These are clear violations of FCRA 607 ( b ), as they show a failure to ensure accurate reporting. 

Equifax is also reporting a XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX as a charge-off with a {$0.00} balance. Reporting a charge-off when there is no balance is not only misleading but also a violation of my rights under the FCRA. Similarly, the XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX is reported as a charge-off with a {$510.00} balance that I dispute as inaccurate. 

There are also multiple Department of EducationXXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX showing late payments with balances of {$12000.00} and {$4900.00}. These accounts are being reported inconsistently and unfairly. Reporting duplicate or conflicting information like this is misleading and does not reflect the true status of my student loans. 

Equifax is further reporting a collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$880.00}. I dispute this debt entirely, and the reporting of it without proper verification is a violation of FCRA 611, which requires reasonable reinvestigation of disputed items. Another account from XXXX ( XXXXXXXX XXXX ) opened on XX/XX/XXXX is listed as a charge-off with a balance of {$1600.00}, which I also dispute as inaccurate. 

On top of these false account reports, Equifax has allowed unauthorized and questionable inquiries to remain on my credit file. XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ) inquiries were not authorized by me and are being reported in violation of FCRA 604, which requires permissible purpose before releasing or reporting inquiries. 

All of these issues combined show a clear pattern of negligence on Equifaxs part in maintaining my file. The FCRA guarantees me the right to accurate and fair reporting, and Equifax has failed to uphold this responsibility. These errors are not small ; they directly harm my credit standing, cause me to be denied financial opportunities, and create stress and reputational damage. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of my file, hold them accountable for violating the FCRA, and require them to correct or delete all of the inaccurate, unverifiable, and misleading information listed above.

Company response to consumer: Closed with non-monetary relief