Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this formal complaint against Equifax for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate addresses, false and misleading account information, and unverified data on my credit report, which have caused severe harm to my financial health, emotional well-being, and access to credit. I have attempted to resolve these issues directly with Equifax, but the errors remain unresolved. I am now seeking intervention and enforcement through the Consumer Financial Protection Bureau ( CFPB ). 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely inaccurate and has no verifiable connection to me. I have never lived, received mail, nor conducted any financial activity tied to this property. Reporting this false address severely compromises the integrity of my credit report and can lead to mixed files, identity confusion, and fraudulent attribution of accounts that are not mine. 
Violation : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Equifax is required to maintain maximum possible accuracy in the information they report. Including false addresses fails to meet this obligation and reflects negligent data handling practices.

Violation : FCRA 605B [ 15 U.S.C. 1681c-2 ] If this address is tied to fraudulent or unauthorized data, Equifax has a duty to block this information upon request, which they failed to do. 
Issue : This incorrect address must be removed immediately to prevent misattribution of accounts and potential identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off * * High Balance : {$450.00} | Date Opened : XX/XX/XXXX This account is being falsely reported as a charge-off, which is completely inaccurate and misleading. The account was either settled or should not have been charged off in the first place. Equifax has failed to provide proper validation of this charge-off entry, and it remains on my credit report with damaging effects to my creditworthiness. 
Violation : FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] I have the right to know the sources of information reported about me, and Equifax has failed to substantiate this account with proper documentation upon request. 
Violation : FCRA 607 ( b ) Equifax is not ensuring the maximum possible accuracy by reporting a charged-off status without verifying the details. 
Issue : This charge-off entry is inaccurate, unvalidated, and misleading. It must be deleted from my credit report to reflect a fair and truthful credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * High Balance : {$990.00} | Date Opened : XX/XX/XXXX This account has been inaccurately reported with late payments. I dispute the validity of these delinquencies. There has been no proper investigation conducted by Equifax to verify whether the payments were genuinely late, whether any hardship or dispute existed, or whether the creditor provided complete and accurate records. Equifax failed to exercise reasonable procedures to ensure accuracy. 
Violation : FCRA 611 [ 15 U.S.C. 1681i ] Upon my dispute, Equifax was required to conduct a reasonable reinvestigation. Their failure to do so violates this section.

Violation : FCRA 602A ( 1 ) Every consumer has the right to fair and accurate credit reporting. Reporting unverified or inaccurate late payments is unjust and harmful.

Issue : These late payments must be removed until Equifax can conclusively verify and document their legitimacy through a full reinvestigation and creditor validation.

Summary & Relief Sought : Equifax has failed to maintain accurate and fair reporting practices by allowing inaccurate addresses, unvalidated charge-offs, and false late payment reports to remain on my credit report despite my good faith attempts to correct them. These errors violate multiple sections of the Fair Credit Reporting Act and have impacted my ability to obtain credit, housing, and other financial opportunities. I respectfully request that the CFPB investigate these violations and direct Equifax to : XXXX. Permanently delete the address " XXXX XXXX XXXX XXXX XXXX, TX XXXX '' XXXX. Delete or correct the charge-off on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove or verify with documentation the late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with full documentation and the method of verification for each item as required by FCRA I am requesting swift and just action to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief