Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am filing this complaint because my Equifax credit report contains numerous inaccuracies, duplicate accounts, unauthorized inquiries, and unverifiable negative information that Equifax has failed to investigate or correct despite my formal disputes. These errors are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax is reporting two addresses, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX, SC XXXX, neither of which I have ever lived at. These addresses are completely inaccurate and create confusion about my identity. My report also lists a XXXX XXXX account, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as a charge-off, but I have no knowledge of this account and have not been provided any documentation proving its accuracy. Similarly, an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting late payments that I do not recognize. 

There are multiple entries from DPT EDXXXX under account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with different dates opened and balances, all reporting late payments. These appear to be duplicates of the same account, which is a violation of Metro 2 reporting standards, and none of these entries have been verified. XXXX also has several entries under the same account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting different balances and repeated late payments, which is misleading and inaccurate. There is another late payment account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I also dispute as unverifiable. 

Equifax is also reporting a collection account from XXXX XXXX XXXX XXXX which I have no knowledge of, as well as multiple charge-offs from the US Department of Education under account numbers # XXXX and # XXXX. These accounts are reported multiple times with different balances, which is highly inaccurate and damaging to my credit. XXXX XXXX XXXX has two identical collection entries under # XXXX, which is clearly duplicate reporting, and XXXX with account # XXXXXXXX XXXX XXXX is another collection account I do not recognize. 

In addition, there are unauthorized credit inquiries from XXXX on XX/XX/year>XXXX  and XX/XX/year>. I never applied for credit with this company, and these inquiries were not authorized by me. 

I have formally disputed these errors under FCRA 1681i, but Equifax has failed to perform a reasonable investigation or provide any evidence of accuracy or verification for these accounts. The presence of duplicate accounts, false addresses, unauthorized inquiries, and unverifiable negative information is a direct violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy, and Metro 2 standards, which prohibit duplicate or misleading reporting. 

I am requesting that the CFPB investigate Equifaxs failure to properly review my disputes and ensure that all inaccurate, unverifiable, and duplicate entries are permanently deleted. I want the incorrect addresses removed, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education , XXXX XXXX XXXX XXXX and XXXX accounts XXXX verified or deleted, and the unauthorized inquiries from XXXX permanently removed. I also request that Equifax provide a corrected and updated credit report once these changes are made, as required by law.

Company response to consumer: Closed with non-monetary relief