Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
I am submitting this formal complaint against Equifax for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I have repeatedly requested investigations, but Equifax has continued to report false and damaging information. My legal residential address is not correctly reflected, and multiple accounts and hard inquiries are being reported inaccurately, which has severely impacted my creditworthiness and caused mental and financial distress. 
XXXX XXXX XXXX XXXX, OH XXXX Issue : This is a completely incorrect address and should never have been associated with my credit profile.

Law Violated : FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of the information.

Story : I have never lived at this address and have no connection to it. Including this false address creates confusion about my identity and is a serious violation of federal law. 
XXXX # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} Status : Charge Off Issue : This account is being inaccurately reported as charged-off despite prior disputes. I requested documentation to validate the debt and Equifax failed to provide it. 
Law Violated : FCRA 1681i ( a ) Failure to properly investigate disputed information ; FDCPA 809 ( b ) No validation of debt provided. 
Story : I disputed this account as it does not belong to me. The reporting furnishes no contractual proof, payment history, or chain of title showing I owe this balance. This charge-off is inaccurate and must be removed as it is damaging and unverifiable. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$0.00} Status : Charge Off Issue : The balance and history are reported incorrectly, and I never received XXXXalidation after requesting proof of this accounts origin. Law Violated : FCRA 1681e ( b ), FCRA 1681i ( a ), FDCPA 809 ( b  ) Story : This XXXX  XXXX account shows a high credit of {$0.00} which is factually inconsistent and misleading. If the account was truly charged off, where is the charge-off amount? XXXX XXXX has failed to respond to my debt validation request, making this reporting baseless. 
XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Status : Collection Issue : This debt is being reported without proper verification. It was never validated with documentation or original creditor information.

Law Violated : FCRA 1681i ( a ), FDCPA 809 ( b ) Story : I do not recognize this account. I submitted a request for validation and dispute with Equifax, but no legitimate proof or contract has been provided to show that this account is mine. It appears to be erroneous or identity-mixed reporting. 
Unauthorized or Misleading Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Issue : These hard inquiries were made without my direct authorization or legitimate permissible purpose as defined under FCRA 1681b.

Law Violated : FCRA 1681b ( f ) Obtaining a consumer report under false pretenses or without a permissible purpose.

Story : I have no open applications or business with most of these entities at the time of the inquiries. Multiple hard inquiries within short periods are suspicious and indicate either fraud or reckless credit pulling. Equifax failed to safeguard my report against unauthorized access. 
Equifax is failing to uphold its legal responsibilities under the FCRA and FDCPA. I am demanding immediate deletion or correction of the above-mentioned inaccurate items. Continued reporting of such harmful data is not only negligent but illegal. I respectfully request the CFPB to enforce strict compliance and to investigate Equifax for failing to maintain accurate credit reporting and proper reinvestigation procedures. I am also considering escalating this to the FTC and State Attorney General if Equifax continues to willfully ignore my consumer rights. 
Requested Relief : Permanent deletion of all inaccurately reported accounts and inquiries listed above. 
Written confirmation of removal or correction. 
Full reinvestigation with results sent to my address.

Financial compensation for damages caused by Equifaxs negligent handling of my credit report. 
I respectfully request urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief