Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I am submitting this complaint against Equifax for reporting inaccurate address information and multiple unverifiable and potentially misreported negative accounts on my credit report. I have submitted formal disputes, yet Equifax continues to report these items without providing proper validation or completing a reasonable reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ).

1. Incorrect Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address does not belong to me and should not be on my credit report. Its presence raises the risk of account misassociation or identity confusion, in violation of FCRA 1681e ( b ) which requires credit reporting agencies to ensure the maximum possible accuracy.

2. Unverified and Disputed Accounts Being Reported : XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 

Date Opened : XX/XX/XXXX Balance : {$1200.00} Issue : No proper validation received, questionable opening date, possible re-aging. 

XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 

Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Same concerns as above ; disputed multiple times, still not validated. 

XXXXXXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Issue : I do not recognize this account. No documentation or validation has been provided. Possible identity confusion or erroneous reporting. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Issue : Discrepancies exist in the reporting history and no verification has been produced despite dispute. 

XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Issue : Charge-off status applied to an account with no confirmed ownership or validation. 

XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Unverified charge-off with unclear origin ; Equifax has not supplied method of verification. 

XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Misleading charge-off status for an account with a {$0.00} balance, which is damaging and deceptive. 

These accounts have been formally disputed, yet Equifax continues to report them without proper investigation or evidence. Under FCRA 1681i ( a ), Equifax must delete or correct information that can not be verified within XXXX days. Furthermore, FCRA 1681g gives me the right to receive full details about how this information was verified which I have not received. 

Requested Action : Delete the incorrect address from my credit report Delete all accounts listed above unless full, original documentation from the furnishers is provided ( including contracts, payment history, and proof of ownership ) Provide written confirmation of the reinvestigation results These inaccuracies have negatively impacted my credit score and caused me financial harm. I request that the CFPB investigate XXXX compliance with federal law and take appropriate action.

Company response to consumer: Closed with non-monetary relief