Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Details : This letter serves as a formal and firm complaint regarding significant inaccuracies present on my Equifax credit report. These errors have not only compromised my credit health but have also created ongoing distress and detriment to my attempts to apply for new credit. I demand that Equifax take immediate action to rectify these errors and provide due compensation for the harm caused by their negligence. 
Chronology of Events : In XX/XX/XXXX, I submitted my first credit card application. During the pre-approval process, an incorrect address was entered, which resulted in a denial. I promptly corrected my address in a subsequent application, which was then approved. 
In XX/XX/XXXX, I successfully created an account with Equifax. I found that my personal information and XXXX  pull records were correct. However, my Equifax account address remained the old, incorrect one, while my credit card account information was correctly associated with my new address. This inconsistency in address information has directly prevented me from properly viewing my credit card account details. 
Previously, I filed a complaint with all XXXX  credit bureaus : Equifax, XXXX, and XXXX. Both XXXX and XXXX  provided excellent service, swiftly resolving the issue, and my reports with them are now accurate. To confirm this, I have also contacted my bank, which verified that they have reported my information accurately and on time. This fact, combined with the accurate credit reports from XXXX  and XXXX, provides irrefutable evidence that the errors on my credit report are solely due to Equifax 's negligence. Regrettably, Equifax has failed to take any effective action, and the inaccuracies on my report persist, negatively impacting my credit standing. 
Currently, I am in the process of applying for new credit. The errors on my Equifax report are causing significant obstacles and have subjected me to considerable mental stress and financial inconvenience. 
Legal Basis and Demands : Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) ( XXXX ), I have reported these inaccuracies to Equifax. I expect Equifax to conduct a prompt and accurate investigation and correction as mandated by the law. Furthermore, under FCRA XXXX and XXXX, due to Equifax 's persistent negligent and noncompliant conduct, I have incurred actual damages and emotional distress, for which I am entitled to compensation. 
My demands are as follows : XXXX Correction : Equifax must immediately correct my credit report to accurately reflect the correct personal address associated with my credit card account. 
Compensation : Given the persistent harm and inconvenience caused by EquifaxXXXX negligence, I demand reasonable compensation. 
I trust that under the oversight of the CFPB, Equifax will address this complaint seriously and promptly. I look forward to your timely response and a fair resolution to this matter.

Company response to consumer: Closed with explanation