Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
I am filing this complaint against Equifax for continuously reporting inaccurate, outdated, and unverifiable information on my credit report. Despite multiple dispute attempts, these items remain unresolved, in violation of my consumer rights under federal law. The following details outline my grievances regarding inaccurate addresses, late payments, charge-offs, and collections, along with relevant laws breached by Equifax and furnishers. 
XXXX XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address Issue : This address is inaccurately reported on my credit report. I have never lived at, used, or had any association with this address. 
Law : FCRA 602 ( a ), 607 ( b ), 611 ( a ) Credit Reporting Agencies must maintain maximum accuracy and remove unverifiable or incorrect data upon dispute.

Story : The appearance of this unknown address on my credit file is deeply concerning and poses a risk of identity confusion or fraud. Despite prior disputes, Equifax has continued to report this address without proper verification or documentation. This harms my creditworthiness and credibility and must be removed immediately. 
XXXX XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXX | High Balance : {$180000.00} | Late Payment * Issue : Late payments are being reported inaccurately. 
Law : FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( B ) Reporting agencies must delete or correct unverified or incomplete information after a proper dispute.

Story : I faced financial hardship during the listed delinquency period and entered a forbearance arrangement with the lender, which was never reflected properly on my report. Equifax has failed to investigate or request updated information from the furnisher. These reported late payments are misleading and damaging my credit reputation. 
XXXX XXXX XXXX | Acct : XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$560.00} | Late Payment * * Issue : Inaccurate late payments reported ; not validated. 
Law : FCRA 611 ( a ) ( 1 ), 623 ( b ), FDCPA 809 ( b ) Story : The account was under autopay and I was never notified of any missed payment. When I disputed this item with Equifax, I received no documentation or proof validating the delinquencies. The law requires a reasonable investigation and validation, both of which were ignored by Equifax. 
XXXX XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXX | High Balance : {$18000.00} | Late Payment * * Issue : Late payments are reported despite a payment deferral agreement during COVID-19.

Law : FCRA 623 ( a ) ( 1 ) ( A ), CARES Act Amendment to FCRA, 611 ( a ) ( 1 ) ( A ) Story : I had an agreed deferment due to pandemic-related financial hardship. According to the CARES Act, my account should not have been marked late. Equifax ignored my disputes and allowed this unfair reporting to stay, which continues to affect my creditworthiness and violates my rights. 
XXXX | Acct : XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$8200.00} | Late Payment * * Issue : Late payments listed despite the loan being in forbearance. 
Law : FCRA 623 ( a ) ( 1 ), 607 ( b ), Higher Education Act Story : During the period reported as delinquent, my loan was in approved forbearance. The loan servicer failed to update my status with Equifax. Despite multiple disputes, Equifax failed to verify or delete the entry, which is inaccurate and harmful. This demonstrates gross negligence in credit reporting and data handling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$1200.00} | Charge Off * * Issue : Account status marked as charge-off without providing validation of the debt. 
Law : FCRA 611, 623 ( a ) ( 5 ), FDCPA 809 Story : I requested validation of this debt from Equifax and the creditor, but none was provided. The amount is also inconsistent with my records. Reporting unverifiable information as charged off without proof is illegal and deeply harms my credit profile. Equifax must immediately remove this item. 
XXXX XXXX XXXX | Acct : XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$18000.00} | Late Payment * * Issue : Late payments reported during a period when payments were made within grace period. 
Law : FCRA 623 ( a ) ( 1 ) ( B ), 607 ( b ), 611 Story : I provided bank statements showing on-time payments, yet Equifax ignored this evidence and failed to remove the late marks. Such failure to investigate constitutes a violation of the FCRA. The false reporting is unfairly dragging down my credit score and credibility with lenders. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : - {$1000.00} | Charge Off * * Issue : Incorrect charge-off reporting ; balance shown as negative with no documentation. 
Law : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) Story : This account shows a negative high balance and charge off status without any validation or breakdown. I never received any collection notice. I believe this account was mishandled or falsely reported. Equifax failed to investigate properly, violating my rights under the FCRA. 
XXXX | Acct : XXXX * | Date Opened : XX/XX/XXXX | High Balance : {$7500.00} | Collection * * Issue : Third-party collection account not validated ; possibly fraudulent. 
XXXXaw : FDCPA 809 ( b ), FCRA 611 ( a ), 623 ( b ) Story : I requested validation of this collection and asked for the original creditors details. None were provided. This collection was never disclosed to me prior to appearing on my report. Equifax failed to remove or verify the item, directly violating the law. This severely harmed my ability to get credit. 
XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXX | High Balance : {$1600.00} | Collection * Issue : Collection reported without validation or original creditor details. 
Law : FDCPA 809, FCRA 607 ( b ), 623 ( a ) ( 5 ) Story : I have no knowledge of this account and never received notice of this debt. It was added to my report without any validation, which I legally requested. Equifaxs inaction shows gross negligence. This is creating barriers for credit approval, auto financing, and home rentals. 
XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXX | High Balance : {$3300.00} | Collection * * Issue : Account opened in a future date ; clearly inaccurate and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date reported ( XX/XX/XXXX ) is a future date. This entry is clearly incorrect, impossible, and demonstrates Equifaxs failure to verify even the most basic of information. This careless error puts my credit integrity in question and opens the door to fraud or identity issues. It must be removed immediately.

Final Summary and Relief Sought : Equifax has failed its duty to report only accurate, complete, and verifiable information. Their refusal to remove clearly incorrect data after multiple dispute attempts, including wrong addresses, unverifiable late payments, and accounts with impossible dates, proves their noncompliance with both the FCRA and FDCPA. This not only has severely impacted my credit score but has also led to denials in housing and financial opportunities. 
I request that the CFPB investigate Equifax for these serious violations. I demand the removal of all the disputed entries listed above and a formal confirmation of the corrections made. I also request that Equifax be penalized appropriately for their willful noncompliance and neglect of consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief