Consumer complaint received 2025-07-04 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 formal complaint against Equifax for failure to maintain accurate, complete, and verifiable consumer information in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple attempts to dispute inaccurate items, Equifax continues to report false, obsolete, and unverifiable data. This is negatively impacting my creditworthiness, loan eligibility, and overall financial reputation. I am also attaching a list of inaccurate addresses and accounts being reported. I am requesting a full investigation and immediate correction or deletion of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is being inaccurately reported on my credit profile. I have never lived or been associated with this address. Reporting inaccurate addresses violates FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

Law Violated : FCRA 1681e ( b ) Failure to maintain accurate identifying information. 
Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address. Its presence on my report is misleading and suggests potential file mixing or identity theft concerns. Equifax failed to verify the legitimacy of this address before including it in my report. 
Law Violated : FCRA 1681i ( a ) Failure to reinvestigate disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$320.00} Late Payment This account is reporting late payments that are not accurate. I have not missed any payments on this account, and no proper documentation has been provided by the furnisher or Equifax to verify these claims. 
Law Violated : FCRA 1681s-2 ( b ) Furnisher failed to properly investigate disputed information.

Law Violated : FCRA 1681e ( b ) Equifax failed to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$950.00} Late Payment Equifax is showing incorrect late payments on this account. I submitted disputes but received no proper validation or documentation. This is a violation of my rights under the FCRA. 
Law Violated : FCRA 1681i Failure to reinvestigate upon dispute.

Law Violated : FCRA 1681c ( a ) ( 5 ) Obsolete negative information being reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$570.00} Late Payment Repeated reporting of false delinquencies is not only damaging but negligent. Equifax did not conduct a reasonable investigation even after my dispute submission.

Law Violated : FCRA 1681e ( b ) and 1681i ( a ) Failure to investigate and report accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is marked as charged-off with no recent activity, no balance verification, and no validation of the claim. It is inaccurate and unverifiable, and therefore must be removed.

Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate information knowingly.

Law Violated : FCRA 1681e ( b ) Negligent failure to ensure accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Late Payment My federal student loan account is reflecting false late payment entries during periods I was under deferment or forbearance. These entries are misleading and harming my credit standing.

Law Violated : FCRA 1681i ( a ) Failure to properly reinvestigate.

Law Violated : FCRA 1681e ( b ) Inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$33000.00} Late Payment Late payments are being reported inaccurately without any verification. This furnisher has failed to comply with dispute reinvestigation protocols.

Law Violated : FCRA 1681s-2 ( b ) Furnisher failed to correct or delete inaccurate information.

Law Violated : FCRA 1681e ( b ) Equifax failed to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$20000.00} Late Payment This federal student loan shows late payments for periods when deferment was active. This is misleading and should have been corrected after disputes. Equifax ignored my request to verify.

Law Violated : FCRA 1681i ( a ) Willful or negligent failure to investigate.

Law Violated : FCRA 1681s-2 ( a ) Furnisher continued reporting inaccurate data. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection This is a third-party debt collector reporting a collection with no original creditor listed, no date of first delinquency, and no debt validation. The reporting violates FCRA and FDCPA.

Law Violated : FCRA 1681g Failure to disclose original creditor and accurate details.

Law Violated : FDCPA 809 ( b ) No validation notice provided upon dispute. 
This complaint involves systemic negligence, failure to follow reasonable procedures to ensure accurate information, and willful disregard of my consumer rights. I demand immediate reinvestigation and deletion or correction of all inaccurate addresses and account information from my Equifax credit file. If this is not resolved, I will escalate further with the FTC and pursue legal remedies under FCRA 1681n and 1681o for damages due to willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief