Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Equifax Information Services LLC due to their failure to accurately maintain my credit file, and refusal to properly investigate or remove multiple inaccurate, misleading, and unverifiable items on my credit report. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

Despite my formal dispute sent to Equifax requesting deletion or proper verification of the following inaccurate information, Equifax has continued to report these harmful inaccuracies, significantly damaging my financial reputation and creditworthiness. 

Incorrect Addresses : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Issue : These addresses have no relationship with me. Reporting them violates FCRA 1681e ( b ), mandating maximum accuracy in consumer files. Equifax refused to remove them despite lacking verification. 

Inaccurate Accounts ( Unverified Information ) : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$710000.00} ) - Late Payment XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} ) - Charge-Off XXXXXXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) - Charge-Off ( Misleading reporting ) XXXX XXXX XXXX ( Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) - Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$3800.00} ) - Late Payment XXXX XXXX XXXX XXXX  ( Acct # XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$29000.00} ) - Late Payment XXXX XXXX XXXX ( Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$4600.00} ) - Late Payment Issue : Equifax continues reporting these entries despite my dispute and their inability to verify these accounts through original, legitimate documentation. This is a clear violation of FCRA 1681i ( a ) ( duty to reinvestigate ) and FCRA 1681s-2 ( b ) ( accuracy obligations of data furnishers ). Additionally, charge-offs with a XXXX balance violate Metro 2 reporting standards. 

Summary of XXXX Violations : Violated FCRA 1681e ( b ) by reporting multiple incorrect personal identifiers.

Violated FCRA 1681i ( a ) by failing to conduct a proper reinvestigation.

Violated FCRA 1681s-2 ( b ) by continuing to report unverifiable, misleading financial information. 

Requested Resolution : CFPB oversight of XXXX reinvestigation process. 

Immediate removal of all disputed addresses and accounts from my Equifax credit file. 

Provide a corrected Equifax credit report, reflecting all changes. 

Enforcement actions to ensure Equifax adheres strictly to FCRA guidelines. 

Compensation for damages resulting from Equifaxs violations and inaccurate reporting. 

I have attached copies of my original dispute letter, the credit report highlighting these inaccuracies, and my identification documents. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief