Consumer complaint received 2025-11-01 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 submitting this complaint because my Equifax credit report contains multiple inaccurate, incomplete, and unverified items that have seriously affected my credit reputation and financial standing. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), which require credit reporting agencies to report only information that is accurate, verifiable, and complete. Equifax has reported several wrong addresses, false late payments, unverifiable charge-offs, unknown collections, and unauthorized inquiries, all of which are damaging and misleading. 

My Equifax file lists incorrect addresses that have no connection to my verified residence history. The addresses XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are not valid or associated with me. Reporting false identifying information violates the FCRAs duty to maintain accuracy and integrity within a consumers credit profile. 

In addition, Equifax is reporting several accounts with inaccurate late payment histories. I have never made any late payments on these accounts, yet they are being reported as delinquent. The affected accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These false late payment reports are inaccurate, misleading, and a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy in all consumer files. 

Equifax is also reporting multiple charge-off accounts that are completely unfamiliar to me and unverified. I have no knowledge of or relationship with the creditors listed under these accounts, and therefore they must be considered unverifiable. The charge-off accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. Reporting unverified charge-offs that can not be substantiated by the original creditor is a direct violation of FCRA 1681i ( a ) ( 5 ), which requires deletion of unverifiable information. 

Additionally, Equifax is reporting two collection accounts under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, both opened on XX/XX/XXXX, with balances of {$1200.00} and {$9200.00}. I have no knowledge of or connection with XXXX XXXX XXXX, and I have never entered into any financial agreement with this entity. These collection accounts are not mine and have been reported without proper verification, violating FCRA 1681s-2 ( b ), which prohibits furnishers from reporting inaccurate or unverified data. 

My Equifax credit report also reflects several unauthorized hard inquiries that were made without my knowledge, consent, or any permissible purpose under FCRA 1681b. These unauthorized inquiries include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. These inquiries were not authorized by me, and their presence represents an invasion of privacy and a serious breach of compliance with the FCRA. 

Each of these reporting errors reflects Equifaxs failure to uphold its legal duty to ensure the accuracy, fairness, and verifiability of the information it reports. The false addresses, inaccurate late payment notations, unverified charge-offs, false collection accounts, and unauthorized inquiries have collectively caused damage to my credit reputation and lowered my credit score unjustly. 

I have already submitted a formal written dispute to Equifax requesting a reinvestigation of these items under FCRA 1681i ( a ) ( 1 ) ( A ). Despite this, Equifax has failed to correct or delete the inaccurate and unverifiable data from my file. This demonstrates negligent and possibly willful noncompliance with federal law. 

I am requesting that the Consumer Financial Protection Bureau review this matter and require Equifax to conduct a lawful and thorough reinvestigation of all disputed items. Equifax must delete or correct any item that can not be fully verified with documentation directly from the original creditor or furnisher. I am asking that all unverified late payment accounts, charge-offs, collections, wrong addresses, and unauthorized inquiries be permanently deleted from my credit report. 

I also request that Equifax send me written confirmation of the completion of its reinvestigation and provide a free updated copy of my corrected credit report reflecting these changes. I expect full compliance with the Fair Credit Reporting Act and appropriate corrective action to restore the accuracy and integrity of my credit file.

Company response to consumer: Closed with non-monetary relief