Consumer complaint received 2025-06-21 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:
Wrong Address Reported by Equifax : XXXX XXXX XXXX XXXX, CA XXXX Issue : This is not my current or past residence, yet Equifax continues to report it on my credit file. 

Story : I never lived at this address, nor do I have any financial accounts connected to it. The inclusion of this incorrect address has increased the risk of mixed files and association with inaccurate accounts. 

Violations : FCRA XXXX ( b ) Duty to maintain accurate and complete information. 

FCRA XXXX Failure to reinvestigate and correct inaccurate personal information after being notified. 

Disputed Accounts : XXXX. XXXX XXXX # XXXX * * * * Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$7700.00} Issue : Charge-off reported without documented validation or response to my dispute. 
Story : I never received any notice of delinquency or charge-off from the creditor. I previously disputed this with Equifax, but they failed to provide supporting documentation or conduct a proper reinvestigation. 
Violations : FCRA XXXX Inadequate and untimely reinvestigation. 

FCRA XXXX ( b ) Failure to ensure the accuracy of data. 

XXXX. XXXX XXXX # XXXX * * * * Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Inaccurate reporting of late payments without context of hardship or proof. 
Story : I arranged a forbearance plan with the creditor during a period of financial hardship, and was told the account would remain in good standing. Equifax failed to validate the accuracy of the late payments after my dispute. 
Violations : FCRA XXXX ( b ) Misreporting agreed-upon arrangements. 

FCRA XXXX Lack of reinvestigation following dispute. 

XXXX. XXXX XXXX XXXX # XXXX * * * ( XXXX ) Duplicate Charge Offs * * Dates Opened : XX/XX/XXXX & XX/XX/XXXX | High Balances : {$7200.00} & {$6000.00} Issue : Same account listed twice with different open dates and amounts. 
Story : I had only XXXX account with XXXX. These XXXX listings are duplicate reports of the same debt. I disputed this with Equifax, but they did not remove the duplicate or provide evidence these were separate accounts. 
Violations : FCRA XXXX ( b ) Duplicate negative data creates an inaccurate and misleading report. 

FCRA XXXX Incomplete reinvestigation despite clear dispute and evidence. 

FCRA XXXX ( A ) Equifax failed to maintain fair, equitable credit reporting practices. 

XXXX. XXXX XXXX XXXX # XXXX * * * * * Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$13000.00} Issue : Late payments reported during a hardship deferment period. 
Story : I was on a formal payment relief plan and expected no delinquencies would be reported. Equifax continues to show late payments despite no verification from the creditor regarding the accuracy of this status. 
Violations : FCRA XXXX No documented investigation response from the data furnisher. 

FCRA XXXX ( b ) Inaccurate payment history reported. 

XXXX. XXXX XXXX XXXX # XXXX Collection Date Opened : XX/XX/XXXX | High Balance : {$390.00} Issue : This collection is unfamiliar and unvalidated. 
Story : I never received a notice from this collector. I requested validation and supporting documentation via dispute, but Equifax retained this collection account on my file without proof. 
Violations : FCRA XXXX Disregard for reinvestigation obligations. 

FCRA XXXX ( b ) Reporting unverified third-party collections. 

FDCPA XXXX ( b ) ( if Equifax is reporting on behalf of collector ) Failure to provide debt validation. 

XXXX. XXXX XXXX  # XXXX * * * * * * Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$22000.00} Issue : Late payments listed on a co-signed loan without communication or consent. 
Story : I co-signed for this loan but was never the primary borrower and was not informed of late payment activity. Equifax failed to verify these delinquencies or provide a billing record to justify the damage to my file. 
Violations : FCRA XXXX No documentation produced after dispute. 

FCRA XXXX ( b ) Reporting errors based on insufficient or incorrect data. 

Requested Resolution : Immediate deletion or correction of the disputed items listed above. 

Written confirmation of the reinvestigation outcomes. 

Proof of compliance with FCRA within XXXX days, as mandated by law. 

Closing Statement : These errors have caused me significant credit damage and emotional distress, affecting my ability to obtain housing and financial services. I request the CFPB to hold Equifax accountable for these continued violations of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief