Consumer complaint received 2025-06-20 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:
Dear CFPB Officer, I am writing to formally file a complaint against Equifax Information Services LLC for its ongoing and willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by continuously reporting inaccurate, unverifiable, and outdated personal and account information on my credit report. 
Despite prior disputes and notifications, Equifax has failed to conduct reasonable investigations and continues to report erroneous data that is severely impacting my creditworthiness and financial well-being. This includes the presence of wrong address data, erroneous charge-off accounts, and unauthorized inquiries. 
INCORRECT ADDRESS REPORTING : Address : XXXX XXXX  XXXX, XXXX XXXX, TX XXXX This address is not mine. I have never resided at or been affiliated with this address in any way. The reporting of this false information violates : 15 U.S. Code 1681e ( b ) Equifax is obligated to follow reasonable procedures to ensure maximum possible accuracy of the information.

15 U.S. Code 1681i Failure to properly reinvestigate despite my disputes violates the FCRA. 
ERRONEOUS NEGATIVE ACCOUNT REPORTING : XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$500.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off This account is inaccurately reported as a charge-off. XXXX XXXX has failed to validate this debt with proper documentation, and Equifax has not provided any reasonable investigation result or updated information despite formal disputes. This violates : o 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information.

o 15 U.S. Code 1681e ( b ) Equifax must ensure accuracy, yet continues to report unverifiable data.

o 15 U.S. Code 1692g ( b ) ( Fair Debt Collection Practices Act ) The furnisher failed to validate the debt upon dispute. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$680.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off I have no contractual relationship with this creditor. This account is fraudulent or misattributed and must be removed. Reporting this without full investigation and verification violates : o 15 U.S. Code 1681s-2 ( b ) Furnishers must investigate disputes and correct inaccurate information.

o 15 U.S. Code 1681i Equifax must delete or correct inaccurate information that can not be verified. 
UNAUTHORIZED CREDIT INQUIRY : XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my knowledge or consent. I did not apply for credit with this entity, and I never authorized this hard inquiry. This violates : o 15 U.S. Code 1681b ( c ) Permissible purpose for consumer reports.

o 15 U.S. Code 1681b ( f ) Obtaining a report under false pretenses or without authorization is unlawful.

REQUEST FOR CFPB ACTION : I request that the CFPB take the following immediate actions : 1. Investigate Equifaxs failure to remove inaccurate addresses and unverifiable negative accounts.

2. Hold Equifax accountable for willful and negligent violations of the FCRA.

3. Require Equifax to provide documentation of all verification efforts for the above accounts.

4. Instruct Equifax to delete : o The false address : XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX o The XXXX inaccurate charge-off accounts o The unauthorized inquiry by XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief