Consumer complaint received 2025-07-10 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 knowingly reporting false addresses, inaccurate and unverifiable accounts, and unauthorized inquiries on my credit report. Despite submitting a prior dispute, XXXX  failed to reasonably investigate or correct the information. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA 15 U.S. Code 1692 ). Below are the detailed issues : Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Issue : I have never resided at or used this address for any purpose. 
Law Violated : FCRA 1681e ( b ) CRA must ensure maximum possible accuracy.

Story : This address is completely unconnected to me. Its presence on my report misrepresents my identity and increases the risk of fraud and mistaken file merges. It has led to confusion in my applications and causes unnecessary reputational harm. 
XXXX XXXX XXXX XXXX, LA XXXX Issue : Not my current or past address. 
Law Violated : FCRA 1681e ( b ) Story : I have no relationship with this location. False addresses like this increase the chance of wrong account attachments and negatively affect my credit profile integrity. 
XXXX XXXX XXXX XXXX, LA XXXX Issue : Incorrect and never part of my history. 
XXXX Violated : FCRA XXXX ( a ) ( XXXX ) Story : This address is reported without basis. XXXX failure to validate residential history harms me during background checks and lending decisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Falsely added address. 
Law Violated : FCRA 1681c ( a ) ( 5 ) Reporting outdated or incorrect data violates federal law.

Story : This address is completely unrelated. Having this in my credit file wrongly links me to financial obligations or debts of others. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Not authorized, never associated. 
XXXX Violated : FCRA XXXX ( b ) Story : XXXX  has failed to follow identity verification protocols. This causes my file to show addresses I've never been connected to. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Issue : Unknown and false address. 
XXXX Violated : FCRA XXXX ( a ) Story : Ive submitted documentation proving my actual addresses. This address is completely wrong, possibly from file mixing or data sale errors. 

Accounts with Inaccuracies and Legal Violations XXXX XXXX XXXX XXXX XXXX Issue : Account does not belong to me. 
XXXX Violated : FCRA XXXX ( a ), XXXX ( b ) Story : I have no business with XXXXXXXX XXXX XXXX XXXX XXXX XXXXhis could be an identity theft case or misfiled account. XXXX  failed to provide proper verification or remove it despite a prior dispute. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect late payment entries. 
Law Violated : FCRA 1681s-2 ( b ) Story : Payments were made on time. I contacted the creditor, who confirmed no delinquency. XXXX  ignored both the evidence and dispute, continuing to misreport this and damaging my credit history. 

XXXX XXXX XXXX Acct : XXXX Issue : Late payments after loan closure. 
XXXX Violated : FCRA XXXX ( b ) Story : The account was closed and paid in full. Late payments appearing after closure is a serious error affecting my auto and personal loan approvals. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : No prior notification or proof. 
Law Violated : FDCPA 807 ( 8 ), FCRA 1681c-2 Story : I do not know or owe this company. Theyve never contacted me. This account might be mistakenly or fraudulently assigned. XXXX  still refuses to remove it. 

XXXX XXXX XXXX Acct : XXXX * Issue : Unverified and unknown debt. 
Law Violated : FDCPA 809 ( a ), FCRA 1681s-2 Story : Ive never been contacted about this debt. There is no supporting information, and yet XXXX  reports it, causing unfair damage. 

XXXX XXXX XXXX Acct : XXXX * Issue : Identity theft suspected. 
Law Violated : FCRA 1681c-2 Story : I never opened this account. I suspect my data was used without my consent. I submitted a fraud affidavit, but XXXX  has failed to block or remove the account. 

XXXX XXXX XXXX Acct : XXXX Issue : No contact, no validation. 
Law Violated : FDCPA 809 Story : Ive never heard from this company. They never notified me or validated the debt. XXXX has failed to investigate or remove it. 

XXXX XXXX  XXXX accounts ( No full numbers ) Issue : Duplicate, unverifiable. 
Law Violated : FCRA 1681e ( b ), 1681i Story : Two entries from the same agency with same dates and no full identifiers are clearly duplicate or misreported. XXXX  refuses to verify or remove. 

XXXX XXXX XXXX Acct : XXXX * Issue : New fraudulent entry. 
XXXX Violated : FCRA XXXX XXXX : I believe this is fraudulent. The timing and amount are suspicious. Ive reported identity theft, but XXXX  still reports the account. 

Unauthorized Hard Inquiries XXXX XXXX XXXX XXXXXX/XX/year> Issue : I never applied for mortgage credit or gave consent. 
XXXX Violated : FCRA XXXX ( a ) ( XXXX ) Story : These inquiries were made without my permission. I did not submit any mortgage applications on those dates. XXXX  failed to verify their legitimacy and has allowed unauthorized access to my credit file. 
Requested Relief from CFPB : 1. Investigate Equifax for repeated violations of FCRA and FDCPA.

2. Instruct Equifax to immediately remove all inaccurate, unverifiable, and unauthorized information.

3. Compel Equifax to provide method of verification for all verified accounts. 
XXXX. Ensure Equifax improves its dispute resolution process to prevent future negligence. 
XXXX. Consider sanctions or fines for negligent reinvestigation and reporting practices.

Company response to consumer: Closed with non-monetary relief