Consumer complaint received 2025-08-21 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I am filing this complaint because Equifax has continued to report inaccurate, outdated, and unverifiable information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ). Despite previous disputes, Equifax has failed to correct or delete information that it can not properly verify. This failure to maintain accurate records has caused ongoing damage to my creditworthiness, financial stability, and personal reputation.

Equifax is required under FCRA 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report, and under FCRA 1681i ( a ) to conduct proper reinvestigations of disputed information. Yet Equifax continues to publish items that are either unverifiable, belong to another individual, are legally obsolete, or are reported in violation of the law.

Inaccurate Addresses Reported by Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( incorrect, not my residence ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( incorrect, not my residence ) These addresses do not belong to me and continuing to associate them with my file creates a misleading and inaccurate profile, violating FCRA 1681e ( b ).

Inaccurate Accounts Reported by Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$81.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$480.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$430.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$650.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$330.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment ( duplicated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$21000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance XXXX {$1000.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$5000.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$500.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$2000.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$510.00} | Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$430.00} | Status : Charge-off * * These accounts are either outdated, unverifiable, misreported, duplicated, or do not belong to me. Equifax has failed to provide proper validation or documentation proving the accuracy of these accounts after my disputes, as required under FCRA 1681i ( a ). Continuing to report unverifiable accounts constitutes willful noncompliance under FCRA 1681n.

Harm and Damages : Because Equifax continues to report false and unverifiable information, I have been denied credit opportunities, faced higher interest rates, and suffered ongoing emotional distress and reputational harm. This is a direct result of Equifaxs failure to maintain maximum possible accuracy and failure to properly investigate disputes.

Resolution Requested : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) compel Equifax to : 1. Immediately delete all inaccurate addresses and unverifiable accounts listed above.

2. Provide me with written confirmation of deletions.

3. Review and update their procedures to comply with FCRA 1681e ( b ) and 1681i ( a ).

4. Ensure that only accurate, verifiable, and lawfully reportable information remains in my credit file.

Equifaxs repeated failure to comply with federal law has materially harmed me. I ask that the CFPB take enforcement action to ensure my rights are protected.

Company response to consumer: Closed with non-monetary relief