Consumer complaint received 2025-06-22 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 writing to file a formal complaint against Equifax for its repeated failure to uphold the requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax has failed to ensure the accuracy and completeness of my credit report, has included multiple incorrect addresses, and has reported several accounts with outdated or inaccurate information despite my previous efforts to dispute them. 
As per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Equifax has failed to comply with this law.

Incorrect Addresses Being Reported The following addresses are being incorrectly reported on my credit file. I have never lived at or been associated with these addresses : XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX These addresses are a clear violation of FCRA 15 U.S.C. 1681e ( b ), as they demonstrate a failure by Equifax to ensure the accuracy of consumer address information. These erroneous addresses may potentially link my profile to unrelated accounts or activity. 
Inaccurate and Damaging Account Information Below are the accounts being inaccurately or unfairly reported, which is affecting my creditworthiness : XXXX XXXX XXXX XXXX  Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payments reported inaccurately. 
Law Violation : Under FCRA 1681i, once disputed, the CRA must conduct a reasonable reinvestigation. Equifax failed to do so, even after multiple attempts on my end. 
Story : This account was disputed previously for inaccurate reporting of payment history. XXXXXXXX XXXX  failed to validate the specific late dates, yet Equifax continues to publish the information, harming my score. 
XXXX XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$550.00} Issue : Charge-Off not validated and reported beyond the 7-year reporting period under FCRA 605 ( a ) ( 4 ).

Story : This charged-off account is from XXXX and should no longer be on my credit file due to its age. It has surpassed the XXXX reporting limit, and Equifax is willfully allowing outdated information to remain. 
XXXX. XXXX XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$5500.00} Issue : Charge-Off reported inaccurately beyond the permissible date. 
Law Violation : FCRA 605 ( a ) ( 4 ) and 1681i. 
Story : Like the XXXX XXXX account, this charge-off is too old to remain on file. I requested validation, which was never provided, yet Equifax ignored my dispute and retained the entry. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$37000.00} Issue : Inaccurate Late Payments Law Violation : FCRA 1681s-2 ( b ) Furnishers must investigate disputes ; XXXX XXXXXXXX failed to respond properly, yet Equifax continues XXXX report damaging inaccuracies.

Story : This auto loan is currently active, and I have consistently made payments on time. Equifax reports late payments that are either incorrect or unvalidated. 
XXXX. XXXX XXXX Acct : XXXX Open Date : XXXX XXXX, XXXX High Balance : {$1700.00} Issue : Charge-Off not verified. 
Law Violation : FCRA 1681i Failure to conduct proper reinvestigation. 
Story : XXXX XXXX never responded to my debt validation request. This charge-off should not be reported as it lacks validation and is disputed under the FDCPA and FCRA. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$750.00} Issue : Late Payments disputed as inaccurate. 
Law Violation : FCRA 1681s-2 ( a ) Story : I contacted both XXXX XXXX and Equifax to verify and correct the payment history, but received no resolution. My credit score is suffering as a result of incorrect payment data. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$1100.00} Issue : Late Payments never validated or accurately reported. 
Law Violation : FCRA 1681e ( b ) Story : Equifax failed to validate the accuracy of this late payment reporting. XXXX XXXX was contacted and failed to respond, yet Equifax continues reporting the account in violation of the law. 
XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Violation : FCRA 604 ( a ) ( 3 ) Permissible purpose required.

Story : I never authorized this hard inquiry. Equifax failed to verify permissible purpose before including this in my report, which is a serious breach of my consumer rights. 
Legal Summary of Violations Committed by Equifax 1. FCRA 1681e ( b ) Failure to assure maximum possible accuracy.

2. FCRA 1681i Failure to conduct a reasonable investigation after dispute.

3. FCRA 1681s-2 ( b ) Failure by furnishers and CRA to properly investigate disputes.

4. FCRA 605 ( a ) ( 4 ) Reporting of outdated charge-off accounts over 7
years old.

5. FCRA 604 ( a ) ( 3 ) Inquiries made without permissible purpose.

Requested Action from CFPB 1. Immediate removal of all incorrect addresses.

2. Deletion or correction of each disputed account listed above, pending full verification. 
XXXX. Removal of unauthorized hard inquiry by XXXX XXXX. 
4. Full investigation into Equifaxs compliance with the FCRA and potential penalties for ongoing violations.

5. Written confirmation of corrections or actions taken.

Thank you for taking this complaint seriously. These inaccuracies are negatively affecting my financial reputation and eligibility for credit. I request swift resolution in compliance with federal law.

Company response to consumer: Closed with non-monetary relief