Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this complaint against Equifax for willfully and negligently reporting inaccurate and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax has failed to maintain maximum possible accuracy, reinvestigate disputed items, and suppress unverifiable or outdated information, which continues to harm me financially, emotionally, and reputationally. I have previously contacted Equifax with a formal dispute, but the errors remain unresolved, and my FTC Identity Theft Report is ready to be submitted. My CFPB complaint is still open. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate the following items, each of which I believe violates federal law and is causing me continuous damage. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address is not mine. I have never lived at this address, and there is no documentation that links me to it. My current and previous verified addresses are completely different. This is an incorrect and unauthorized address being reported on my credit file. 
Law Violated : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681n and 1681o Willful and negligent noncompliance.

Story : I have repeatedly requested Equifax to delete this address, but they have failed to do so. This false address on my credit report is causing serious confusion about my identity and increasing the risk of identity theft or fraud. I am facing emotional stress and financial harm as lenders question the legitimacy of my profile and deny me credit opportunities. Equifaxs failure to correct this known inaccuracy is unacceptable and unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off | Opened : XX/XX/XXXX | High Balance : {$1100.00} * * Issue : This account is reporting as charged off, but it is not mine. I have never received a valid contract, signed agreement, or itemized breakdown proving this account is legitimate. Equifax has failed to verify this account as required by law.

Law Violated : 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information. 15 U.S.C. 1681e ( b ) Duty to maintain accurate and complete information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information. 15 U.S.C. 1681c ( a ) ( 4 ) Limitations on reporting obsolete charge-offs.

Story : I requested validation multiple times, yet Equifax provided no contract, no billing history, no signed authorization, or proof of the alleged debt. This negative account is dragging down my credit score and has led to loan denials and higher interest rates. I am financially suffering because Equifax continues to report an unverifiable charge-off without proper investigation or consumer protections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments | Opened : XX/XX/XXXX | High Balance : {$3000.00} * * Issue : This account is showing multiple late payments, which I dispute. Equifax has never provided any documents or proof showing I was actually late. They failed to verify the accuracy of the derogatory reporting. 
Law Violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to reinvestigate consumer disputes. 15 U.S.C. 1681e ( b ) Accuracy obligations. 15 U.S.C. 1681c ( a ) ( 5 ) 7-year limit on reporting late payments. 
Story : I submitted a formal dispute and asked for billing statements or payment history to verify these lates, but Equifax failed to respond with evidence. I believe this information is either outdated, inaccurate, or misattributed. This is damaging my credit score and has resulted in rejections for rental housing and credit cards. Equifaxs failure to take action is harming me emotionally, financially, and legally. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payments | Opened : XX/XX/XXXX | High Balance : {$18000.00} * * Issue : This account is also reporting late payments that I do not recognize. I never received proof of when and how I was late, and Equifax has not verified the accuracy of these reports despite my dispute.

Law Violated : 15 U.S.C. 1681e ( b ) Reasonable procedures for accuracy. 15 U.S.C. 1681i ( a ) Reinvestigation duties. 15 U.S.C. 1681s-2 Furnishers must provide accurate and complete info.

Story : I requested Equifax to provide proper documentation to support these derogatory remarks, but they failed to do so. This negative reporting has hurt my ability to obtain fair credit and has caused emotional distress. I am currently paying higher insurance premiums and being denied financial products. Equifax is allowing unverified and damaging information to remain on my file, which violates my rights as a consumer. 
SUMMARY OF VIOLATIONS Equifax has violated the following sections of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate disputed information 15 U.S.C. 1681c ( a ) : Reporting outdated/obsolete information 15 U.S.C. 1681s-2 : Failure by furnishers to correct inaccurate data 15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with FCRA I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate these violations and require Equifax to delete or correct the inaccurate, unverifiable, and damaging information listed above. Equifaxs continued failure to act after formal dispute notices and communications shows a complete disregard for the FCRA and for consumer rights. I am attaching supporting documentation and I am prepared to escalate this further if necessary.

Company response to consumer: Closed with non-monetary relief