Consumer complaint received 2025-07-08 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:
To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the mishandling of disputed items on my credit report. 

I submitted a dispute directly to Equifax highlighting numerous accounts that are either inaccurate, unverifiable, outdated, duplicated, or do not belong to me. Despite this, Equifax responded by marking several items as verified without providing any evidence, documentation, or contractual proof. This is a direct violation of FCRA 611 ( a ), which requires a reasonable reinvestigation. 

Incorrect Addresses Still Reporting : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are outdated or incorrect and have no valid reason to remain on my credit file. Equifax is failing to maintain accurate personal identifying information under FCRA 607 ( b ). 

Disputed Accounts That Were Improperly Verified : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$8900.00} | Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$9800.00} | Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$370.00} | Charge-off XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$790.00} | Charge-off XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance XXXX {$8300.00} | Charge-off XXXX XXXX * | Opened : XX/XX/XXXX | Balance : {$670.00} | Charge-off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$14000.00} | XXXX XXXX XXXX  XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$5300.00} | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1800.00} | Duplicate Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1700.00} | Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$730.00} | Duplicate ( appears twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$730.00} | Duplicate XXXX XXXX Inquiry Date : XX/XX/XXXX | Unauthorized Inquiry Violations by Equifax Include : FCRA 607 ( b ) : Failing to ensure maximum possible accuracy of reported data FCRA 611 ( a ) : Failing to conduct a reasonable reinvestigation after receiving my disputes FCRA 609 ( a ) : Refusing to provide supporting documents for verified accounts FCRA 623 ( b ) : Continuing to report inaccurate data even after a consumer dispute FCRA 604 ( a ) : Reporting hard inquiries without permissible purpose FCRA 605 : Reporting obsolete, outdated, or duplicated information These violations have caused serious harm to my credit profile, impacted my ability to access affordable credit, and resulted in emotional and financial distress. Equifaxs failure to comply with FCRA obligations demonstrates negligence and systemic noncompliance. 

Requested Resolution : Immediate deletion of all disputed and unverified accounts, duplicate collections, and inquiries Full explanation of how each disputed item was verified Written confirmation that these items have been deleted from my file Regulatory enforcement and fines if Equifax is found in violation of consumer protection laws I request the CFPB to investigate Equifaxs continued FCRA violations and take necessary enforcement action to protect consumer rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief