Consumer complaint received 2025-06-28 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 submitting this formal complaint against Equifax regarding numerous inaccuracies, misreporting, and violations related to my credit report. The following accounts and addresses are reported incorrectly or unfairly, causing significant harm to my creditworthiness and financial reputation. I demand immediate correction, deletion of erroneous information, and compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including specific sections that protect consumers from inaccurate credit reporting, failure to conduct reasonable investigations, and reporting of obsolete or incorrect information.

Account : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Story : Equifax is reporting this incorrect address on my credit file without any authorization or validation. Under FCRA 1681e ( b ), Equifax must ensure maximum possible accuracy of all information reported. Reporting a wrong address constitutes a violation and has caused me undue distress and potential denial of credit. 
Account : XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Story : This incorrect address listing has never been associated with me and is misleading creditors and other users of my credit report. Equifax failed to follow the reasonable procedures required under FCRA 1681e ( b ) to verify and update my correct information, causing damage to my credit profile. 
Account : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Late Payments Story : The late payments reported here are inaccurate and have not been validated. Equifax failed to conduct a reasonable reinvestigation as required by FCRA 1681i after I disputed these items, thus continuing to report false derogatory information damaging my credit score unjustly. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$31000.00} Issue : Late Payments Story : These late payments are incorrectly reported. Equifaxs negligence in ensuring the completeness and accuracy of my credit data violates FCRA 1681e ( b ) and directly harms my creditworthiness. 
Account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$9100.00} Issue : Charge Off Story : This charge-off is inaccurate, not validated, and improperly reported without appropriate documentation or proof. Equifaxs failure to follow FCRA 1681i to verify this derogatory information after dispute is unlawful and prejudicial. 
Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Late Payments Story : Equifax continues to report late payments on this account despite my dispute and lack of proof from the furnisher. This constitutes a violation of FCRA 1681i, where reinvestigation must be reasonable and timely, which Equifax has failed to uphold. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Issue : Late Payments Story : These late payments are incorrect and have not been substantiated. Equifaxs reporting of inaccurate and unverifiable information is a direct violation of FCRA 1681e ( b ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Charge Off Story : This charge-off is erroneous, and Equifax failed to perform a proper investigation after my dispute in violation of FCRA 1681i, resulting in continued inaccurate reporting. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Issue : Collection Story : This collection account is inaccurately reported and lacks validation. Equifaxs failure to follow FCRA 1681i regarding dispute procedures is a clear breach of my consumer rights. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Charge Off Story : Equifax is reporting a charge-off that has not been verified or proven accurate. This is a violation of the FCRAs mandate for accuracy and fair reporting under 1681e ( b ) and 1681i. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} Issue : Charge Off Story : This charge-off is reported without proper verification or evidence of validity, violating my rights under FCRA 1681i and 1681e ( b ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Story : Equifax continues to report an outdated and inaccurate charge-off despite my dispute, violating the FCRAs requirements to remove or correct unverifiable information. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2600.00} Issue : Charge Off Story : The reporting of this charge-off is inaccurate and unsubstantiated. Equifax failed to conduct a reasonable investigation after my dispute as mandated by FCRA 1681i. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Charge Off Story : This charge-off has been inaccurately reported. Equifax has violated FCRA 1681e ( b ) and 1681i by failing to maintain and verify the accuracy of this information. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$750.00} Issue : Charge Off Story : The charge-off on this account is reported incorrectly and without verification, violating my rights under FCRA 1681e ( b ) and 1681i. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$850.00} Issue : Late Payments Story : Equifax is reporting late payments that are inaccurate and unverified, violating the FCRAs accuracy standards under 1681e ( b ). 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1300.00} Issue : Collection Story : This collection account is inaccurately reported and unsubstantiated. Equifax has violated FCRA 1681i by failing to conduct a reasonable investigation after my dispute. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : Charge Off Story : The charge-off reported here lacks proper validation and was never confirmed, violating the accuracy requirements of FCRA 1681e ( b ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Story : This charge-off is inaccurately reported and Equifaxs failure to conduct a proper reinvestigation after dispute violates FCRA 1681i. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Charge Off Story : Duplicate reporting of this charge-off item without verification violates FCRA 1681e ( b ) and 1681i. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Story : Equifax reports this collection without proper validation or investigation, violating FCRA 1681i. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Story : This collection account is inaccurately reported and unverifiable. Equifax violated FCRA requirements by failing to verify and investigate after dispute. 
Account : XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Story : Unauthorized hard inquiry recorded on this date without my consent violates FCRA 1681b ( f ). 
Account : XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Story : Unauthorized inquiry without permissible purpose as required under FCRA 1681b. 
Account : XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Story : This inquiry was made without my authorization or permissible purpose violating FCRA 1681b.

Summary : Equifax has repeatedly failed to fulfill its obligations under the Fair Credit Reporting Act, including but not limited to 1681e ( b ) and 1681i, which require credit reporting agencies to ensure maximum accuracy and conduct reasonable reinvestigations when disputes are filed. Furthermore, Equifaxs reporting of multiple incorrect addresses and unauthorized inquiries violates the privacy and accuracy protections mandated by law. The cumulative impact of these errors has caused me significant harm including credit denials, increased borrowing costs, and emotional distress. 
I demand immediate correction or removal of all inaccurate information and verification of all items as required by law. Failure to comply will leave me no choice but to pursue all legal remedies available, including but not limited to filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and seeking damages under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief