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: LA

Complaint narrative:
I am filing this complaint against Equifax due to serious violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of wrong addresses, inaccurate account statuses ( including charge-offs, collections, late payments ), and unauthorized inquiries. Despite prior disputes, these harmful items remain on my credit report. 
These errors have caused denial of credit, increased insurance premiums, emotional distress, and substantial damage to my financial stability and reputation. 
Wrongly Reported Addresses Never lived at or associated with : 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 Violation : FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
Inaccurate Account Reporting : XXXX. XXXX Acct # : XXXX High Balance : {$370.00} | Opened : XX/XX/XXXX | Status : Charge-Off FCRA Violation : 1681s-2 ( b ) Failure to conduct a reasonable investigation upon dispute. 
XXXX. XXXX XXXX Acct # : XXXX ( XXXX Entries ) o High Balance : {$770.00} | Opened : XX/XX/XXXX | Status : Charge-Off o High Balance : {$490.00} | Opened : XX/XX/XXXX | Status : Charge-Off FCRA 1681e ( b ), 1681i ( a ) Inaccurate or duplicate reporting. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$460.00} | Opened : XX/XX/XXXX | Status : Charge-Off FCRA 1681c ( a ) ( 4 ) Obsolete accounts being reported past statute. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$2900.00} | Opened : XX/XX/XXXX | Status : Late Payment FCRA 1681s-2 Furnisher failed to accurately update payment history. 
XXXX. XXXX Acct # : XXXX High Balance : {$940.00} | Opened : XX/XX/XXXX | Status : Late Payment FCRA 1681e ( b ) Misleading reporting of payment behavior. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX High Balance : {$22000.00} | Opened : XX/XX/XXXX | Status : Late Payment FCRA 1681s-2 ( b ) Failure to investigate and correct late payment claims. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$35000.00} | Opened : XX/XX/XXXX | Status : Late Payment FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed account. 
XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX High Balance : {$6000.00} | Opened : XX/XX/XXXX | Status : Charge-Off FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate. 
XXXX. XXXX Acct # : XXXX High Balance : {$40000.00} | Opened : XX/XX/XXXX | Status : Late Payment FCRA 1681c ( a ) Account outdated or inaccurately reported. 
Collections Reported in Error : XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$5600.00} | Opened : XX/XX/XXXX | Status : Collection FDCPA 807 ( 8 ), FCRA 1681s-2 Debt validation not provided. 
XXXX XXXX XXXX XXXX Acct # : XXXX High Balance : {$690.00} | Opened : XX/XX/XXXX | Status : Collection FCRA 1681i Ignored dispute regarding legitimacy. 
XXXX. XXXX XXXX XXXX Acct # : XXXX High Balance : {$3900.00} | Opened : XX/XX/XXXX | Status : Collection FCRA 1681b Permissible purpose not demonstrated. 
XXXX. XXXX TREASURY Acct # : XXXX High Balance : {$17000.00} | Opened : XX/XX/XXXX | Status : Collection FCRA 1681e ( b ) No valid debt substantiation provided. 
Charge-Off Without Proper Verification : XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX | Status : Charge-Off FCRA 1681s-2 ( b ) Failure to correct account post-dispute. 
Unauthorized/Unexplained Inquiries : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. US DEPARTMENT OF EDUCATION Date : XX/XX/XXXX FCRA 1681b ( c ) ( 1 ) Hard inquiries made without a permissible purpose or written consent. 
Relief Requested : Immediate deletion of all the incorrect addresses, inaccurate account data, and unauthorized inquiries. 
Written confirmation that these corrections have been made. 
Investigation records as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Civil damages for willful noncompliance ( FCRA 1681n ) and negligent noncompliance ( FCRA 1681o ).

Company response to consumer: Closed with non-monetary relief