Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
Dear CFPB Officer, I am writing to file a formal complaint against Equifax Information Services LLC for gross negligence and multiple violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq., including but not limited to 1681e ( b ), 1681i, 1681b, and 1681c. 
I have repeatedly attempted to correct and dispute several inaccurate items on my credit report maintained by Equifax, yet Equifax has failed to conduct a reasonable reinvestigation and continues to report outdated, unverifiable, and incorrect data. This has caused me substantial emotional distress, reputational damage, and financial harm, including being denied credit, paying higher interest rates, and experiencing economic hardship. I respectfully request the CFPB to take immediate action. 
1. INCORRECT ADDRESSES REPORTED ( FCRA 1681e ( b ) ) Equifax is reporting the following fraudulent or inaccurate addresses on my credit file, none of which are mine and were never associated with me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Equifax has failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report as required by FCRA 1681e ( b ). Reporting these addresses puts me at risk of being confused with another consumer and misattributed debts.

2. INACCURATE ACCOUNT REPORTING ( FCRA 1681e ( b ), 1681i ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} Status : Collection Issue : I have no knowledge or record of this account. I never applied for or entered into a loan with XXXX XXXX XXXX. This appears to be identity theft or a mixed file. Despite disputes, Equifax continues to report it. 
Violation : FCRA 1681e ( b ) failure to ensure accuracy.

FCRA 1681i failure to conduct a reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : This is an obsolete public record with no open balance and is being misreported with derogatory information. The reporting is outdated and should have been removed. 
Violation : FCRA 1681c ( a ) ( 5 ) obsolete information ; FCRA 1681e ( b ) inaccurate and misleading reporting.

3. UNAUTHORIZED HARD INQUIRIES ( FCRA 1681b ) Equifax is reporting the following unauthorized or non-permissible purpose inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize these companies to pull my credit. No permissible purpose exists under FCRA 1681b. These inquiries have negatively impacted my credit score.

Violation : FCRA 1681b ( f ) accessing consumer report without permissible purpose. 
FCRA 1681e ( a ) failure to verify permissible purpose before providing report.

Summary of Legal Violations Involved : FCRA 1681e ( b ) : Failure to ensure accuracy of consumer report information.

FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

FCRA 1681b ( f ) : Unauthorized access to my credit file.

FCRA 1681c ( a ) : Reporting of obsolete or outdated public records.

FCRA 1681e ( a ) : Failure to verify inquiries with permissible purpose.

Relief Requested : I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate Equifax 's violations of the FCRA and the continued reporting of inaccurate and unverifiable information ; 2. Direct Equifax to immediately delete all inaccurate addresses and incorrect accounts listed above ; 3. Remove all unauthorized hard inquiries from my file ; 4. Impose appropriate penalties and require corrective actions by Equifax to prevent
further harm ; 5. Send me written confirmation that these errors have been corrected and removed from my credit report.

Supporting Documents Available Upon Request : I am prepared to submit my government-issued ID, proof of address, and any documentation to support this complaint upon request. 
Thank you for your assistance and immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief