Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against several furnishers and credit reporting agencies ( XXXX XXXX Equifax ) for their ongoing and unlawful reporting of inaccurate, outdated, unverifiable, and duplicated information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Despite multiple attempts to dispute these inaccuracies directly with the credit reporting agencies, the disputed items remain unresolved. Below is a detailed list of the false information that continues to cause me harm. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address does not belong to me and is damaging my credit profile.

Issue : Inclusion of third-party address without verification violates FCRA obligations of accuracy.

Story : I have received mail from debt collectors associated with this address, which has no connection to me. This has caused financial distress and fear of identity fraud. Please delete this address immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I never lived at this address. Its presence suggests my file may be mixed with someone else 's.

Issue : Unverified or mixed-file entries violate FCRA 611.

Story : I was denied a government contract because of red flags from this entry. This has harmed my income and reputation. This address must be deleted. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$480.00} Late Payment I dispute the late payment status. Payments were made on time and any delay reported was due to internal error, not my fault. Issue : Reporting outdated or incorrect payment history violates FCRA 623 ( a ) ( 1 ) ( A ). Story : This false delinquency damaged my creditworthiness, and I was denied emergency medical financing due to the reported late mark. I request a reinvestigation and correction. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$10000.00} Charge Off Duplicate entry of the same account above, possibly causing double damage to my credit.

Issue : Duplicate reporting violates the Fair Credit Reporting Acts principle of fair and accurate information.

Story : This redundancy severely lowered my score and affected job applications requiring security clearance. I demand the duplicate entry be deleted immediately. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$240.00} Collection This collection is unverified and unauthorized. I never received notice or itemized billing.

Issue : Violation of FDCPA 809 ( a ) failure to provide validation notice.

Story : I first saw this collection on my credit file with no prior communication. Ive faced rejection for an apartment because of this record. I demand this be removed immediately unless full validation is provided. 
XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$87.00} Collection This amount is unknown to me, and no original creditor has been identified.

Issue : Violation of FCRA 609 ( a ) and FDCPA 809 ( a ).

Story : This account has led to harassing phone calls and false accusations. It is damaging my credit for a balance I do not owe. I request deletion or validation documentation.

PERSONAL IMPACT AND DAMAGES : The continued reporting of these false addresses and inaccurate accounts has led to : Denial of rental housing applications Rejection for credit cards and car financing Emotional distress and XXXX Employment screening concerns Credit score damage resulting in higher insurance premiums Despite my formal disputes, no reasonable reinvestigation has occurred. Under FCRA 1681i ( a ), credit reporting agencies must complete a reinvestigation within 30 days and remove or correct any item found to be inaccurate or unverifiable. That has not been done in my case.

RELIEF REQUESTED : I respectfully request that the CFPB : 1. Investigate the above-listed accounts and wrong addresses 2. Require the credit bureaus to provide verification or delete the items 3. Enforce my right to accurate credit reporting 4. Require all furnishers involved to provide documentation validating the reported accounts 5. Penalize the furnishers and credit bureaus for willful or negligent violations of the FCRA/FDCPA

Company response to consumer: Closed with explanation