Consumer complaint received 2025-07-03 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 complaint against Equifax for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and its associated regulations. Despite multiple disputes, Equifax has continued to report inaccurate, outdated, and unverifiable information, seriously damaging my creditworthiness and causing me financial harm. I am including the details of the incorrect accounts, addresses, and inquiries that remain unresolved. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$240000.00} Status : Late Payment Issue : This account is inaccurately reporting late payments despite no verified proof from the furnisher. I never received any billing or due date notice, and I believe this reporting is based on inaccurate or incomplete information. Equifax failed to follow reasonable procedures to ensure maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ). Additionally, no reinvestigation was conducted with proper documentation as required under 15 U.S.C. 1681i. The continued publication of this negative entry without validation is causing irreparable damage to my credit and ability to secure housing, employment, and essential financial services. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Status : Charge Off Issue : This charge-off is being reported beyond the allowed XXXX window and/or without verification from the original creditor. Under 15 U.S.C. 1681c ( a ), adverse information such as charge-offs can not be reported beyond 7 years from the date of first delinquency. Equifax is violating this rule by keeping this account on file without providing full investigation results or any supporting documentation. I did not receive the mandatory notice of the negative reporting as required by 15 U.S.C. 1681m. This erroneous listing is damaging my financial reputation. 
Wrong Address : [ Include any disputed address here, if needed e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This address does not belong to me and is being reported inaccurately. The presence of this incorrect address suggests mixed files or identity confusion, which violates 15 U.S.C. 1681e ( b ) due to failure to maintain accurate records. This inaccuracy puts me at risk for being associated with accounts or debts that are not mine. 
Unauthorized Inquiries : [ If you have any, please provide e.g., XXXX XX/XX/XXXX etc. ] Issue : These inquiries were made without my authorization or any permissible purpose as defined under 15 U.S.C. 1681b. Equifax failed to investigate these inquiries after dispute and continues to allow third parties to access my credit file unlawfully. 
Equifax has continuously failed to follow procedures to ensure the accuracy of my credit file, as required by the FCRA. They have also ignored my rights to a proper reinvestigation under 15 U.S.C. 1681i. The repeated reporting of unverified and inaccurate information has harmed me financially, emotionally, and personally. I am requesting a full investigation of each item, immediate deletion of all unverifiable data, and a written statement confirming these actions. I am also requesting that CFPB hold Equifax accountable for their violations and impose any necessary penalties or sanctions to enforce consumer protection laws.

Company response to consumer: Closed with non-monetary relief