Consumer complaint received 2025-06-26 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 submitting this formal complaint against Equifax for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related consumer protection statutes. Equifax has failed to maintain accurate information on my credit report, failed to properly investigate my disputes, and continues to report inaccurate accounts, unverifiable inquiries, and incorrect personal identifying information despite multiple attempts to rectify these errors. These actions have caused substantial harm to my credit reputation, financial wellbeing, and emotional stability.

Incorrect Address Reporting Violation of FCRA 1681e ( b ) : Equifax is reporting the following addresses on my credit file that are completely inaccurate, do not belong to me, and were never associated with me in any capacity : XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Wrong Address XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX Address These incorrect addresses violate my privacy and pose serious risks of identity confusion and fraud. Equifax has failed to follow reasonable procedures to assure maximum possible accuracy in reporting this information as required under FCRA 1681e ( b ).

Account Errors Violations of FCRA 1681s-2 and 1681i ( a ) : 1. XXXX Acct XXXX : XXXX XXXX XXXX XXXX XXXX | High Balance : {$200.00} | Date Opened : XX/XX/XXXX * * Issue : This account is reporting a late payment inaccurately. I have consistently made timely payments and have documentation to support this.

Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed data 2. XXXX XXXX XXXX Acct # : XXXX | High Balance : {$21000.00} | Date Opened : XX/XX/XXXX * * Issue : This account is reporting as a charge-off. I have contested the validity of the charge-off, which remains unresolved.

Violation of FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate or unverifiable data Violation of FCRA 1681e ( b ) Lack of accuracy and fairness 3. XXXX XXXX Acct # : XXXXXXXX XXXX | High Balance : {$650.00} | Date Opened : XX/XX/XXXX * * Issue : The account shows late payment history which I dispute as inaccurate. Payment history must be reported with maximum accuracy. 
Violation of FCRA 1681i ( a ) Failure to properly investigate disputes Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) Continuing to report disputed information 4. XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX * * Issue : This is an inaccurate collection account that does not belong to me. I have never received validation of this debt.

Violation of FDCPA 809 ( 15 U.S. Code 1692g ) Failure to validate debt Violation of FCRA 1681b and 1681s-2 ( a ) ( 1 ) ( A ) Reporting unverifiable collection 5. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX | High Balance : {$640.00} | Date Opened : XX/XX/XXXX * * Issue : I have never authorized or been notified about this account. No validation has been provided despite my dispute.

Violation of FCRA 1681s-2 ( b ) Failure to verify or remove incorrect item Violation of FDCPA 807 ( 8 ) Communicating false credit info to a CRA Hard Inquiries Unpermitted Access in Violation of FCRA 1681b ( f ) : The following inquiries were made without my knowledge or permissible purpose, violating my rights under FCRA : XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry I did not authorize any of these credit pulls. These inquiries are negatively impacting my credit and should be removed immediately.

Violation of FCRA 1681b ( f ) Accessing a consumer report without a permissible purpose Violation of FCRA 1681c ( a ) ( 3 ) Improper inclusion of inquiries Summary of Harm : Due to Equifaxs negligent and willful failure to ensure accurate credit reporting, I have suffered financial loss, been denied credit opportunities, and experienced emotional distress. I have disputed these issues in writing and via Equifaxs dispute portal, but the bureau has failed to investigate or correct the information as required by law.

Company response to consumer: Closed with non-monetary relief