Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am filing this complaint against Equifax for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, including but not limited to the reporting of inaccurate and unverifiable information, failure to conduct reasonable investigations, and continuing to report disputed and obsolete data after multiple disputes. Despite my efforts to resolve these errors directly with Equifax, the agency has failed to take corrective action. I am requesting immediate intervention by the Consumer Financial Protection Bureau to ensure Equifax complies with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This is an incorrect address and has no connection with me. It was never my residence, and I have no association with it. 
Violation : Reporting inaccurate personal identification information violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is also incorrect and falsely associated with my credit profile. I have never lived or conducted any business at this address. 
Violation : Continued reporting of this wrong address after disputes violates FCRA 1681i ( a ), which mandates proper reinvestigation and deletion of unverifiable data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9500.00} Charge Off Issue : This account is reported as a charge-off despite ongoing disputes regarding the accuracy of the balance, late payment history, and lack of proper validation. I never received proper verification or billing records for this account. 
Violation : FCRA 1681s-2 ( a ) requires furnishers to provide accurate information. Continued reporting of unverified and disputed information also violates 1681i ( a ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Collection Issue : This collection account was added recently without any prior notice or validation. I have no knowledge of this debt, and no validation has been provided despite my requests. 
Violation : Equifaxs failure to remove or verify the accuracy of this account after my dispute violates FCRA 1681g and 1681i. This also indicates a failure to follow proper procedures under 1681e ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$360.00} Charge Off Issue : This account was reported as a charge-off, but no original creditor information or validation of the debt has been provided. I have no contractual agreement or knowledge of this alleged debt.

Violation : Reporting unverifiable and potentially fraudulent debt is a violation of FCRA 1681b ( lack of permissible purpose ), 1681s-2 ( furnishing accurate information ), and 1681i ( failure to investigate ).

Equifax has repeatedly failed to meet the obligations set by the FCRA, even after receiving formal disputes. This pattern of negligence has severely impacted my creditworthiness, financial opportunities, and mental well-being. I am now requesting that the CFPB enforce the following actions : Permanent deletion of the inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Full investigation and removal of all inaccurate and unverifiable accounts listed above Written confirmation of the results of the investigations, including the method of verification used Penalties and enforcement actions against Equifax for repeated noncompliance with federal law I respectfully request CFPBs assistance in holding Equifax accountable and ensuring the accuracy, integrity, and privacy of consumer credit information.

Company response to consumer: Closed with non-monetary relief