Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
Dear CFPB Officer, I am writing to formally file a complaint against Equifax for their repeated failure to maintain accurate information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( b ), 611 ( a ), and 609 ( c ). Despite multiple attempts to dispute erroneous data directly with Equifax, my concerns remain unresolved, and I believe Equifax is willfully negligent in its responsibilities under federal law. 

Wrong Addresses Reported Equifax is reporting multiple incorrect addresses that I have never lived at or had any affiliation with : XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Personal Story : I have lived at my current address for several years, and none of these above-mentioned addresses have any connection to me. Their presence on my credit file is a major red flag, possibly indicating data merging errors or even identity confusion. This misinformation is compromising my ability to secure housing and job opportunities and may be linked to fraudulent or mistaken identity activity. I demand immediate deletion of these addresses under 607 ( b ), which requires Equifax to maintain reasonable procedures to ensure accuracy. 

Late Payments/ Charge-Offs/ Collections ( Accounts Below ) For each of the following accounts, I dispute the accuracy, timeliness, completeness, and lawful reporting. I have previously requested validation and reinvestigation with Equifax, and they failed to provide any meaningful documentation or evidence, which violates 611 and 609 ( a ). 

Each account listed below contains either misleading payment histories, unverifiable charge-off claims, or false derogatory information that Equifax continues XXXX furnish to third parties, causing emotional stress and financial harm. 

Late Payments XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Story : Several of these accounts have reported me as late even during periods where I was actively communicating hardship arrangements with creditors or believed I was fully caught up. I have asked Equifax to show actual documentation to validate these claims, and they have not done so. Reporting late payments without valid documentation or without honoring hardship agreements is unfair, deceptive, and causes substantial harm under 607 ( b ). 

Charge-Offs XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Most of these accounts reflect outdated charge-off statuses, and some are reported twice, showing duplicative damage. I have never received lawful validation notices per FDCPA guidelines, and Equifax refuses to show the original contracts or charge-off breakdowns. Its unjust to report me as defaulting when the information is unverifiable, especially if some accounts were disputed for fraud. 

Collections XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX has reported multiple accounts in collection for the same timeframes and balances, indicating duplicate and unverifiable collections. No proper validation has been provided, and theyre falsely continuing to report these under different account IDs. I find this practice predatory, and Equifax 's failure to verify it only reinforces the mishandling. 

Unauthorized/Unverified Hard Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Story : I did not authorize or initiate these inquiries. They do not correlate with any applications I submitted. Hard inquiries should only appear with written consumer authorization under 604. I have requested proof of this authorization and received nothing from Equifax. These inquiries are damaging my credit and must be removed. 

Relief Requested : I am requesting CFPB assistance to hold Equifax accountable. Specifically, I ask for : Deletion of all inaccurate addresses. 

Full reinvestigation with physical documentation for each disputed account. 

Removal of all unverifiable or duplicate charge-offs, collections, and inquiries. 

Proof of permissible purpose for hard inquiries. 

Compliance documentation from Equifax showing their procedures for accuracy. 

Please note that under the FCRA, if a furnisher or CRA can not verify the accuracy of information within 30 days, it must be deleted. Continued reporting of inaccurate data is willful noncompliance and warrants enforcement action. 

Thank you for your attention to this matter. I respectfully ask that you open an investigation and take appropriate regulatory actions to ensure consumer protection and data integrity.

Company response to consumer: Closed with non-monetary relief