Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is WILLFULLY and REPEATEDLY furnishing inaccurate and false information on my credit report despite multiple disputes and documentary proof establishing my correct address. This conduct violates the Fair Credit Reporting Act ( FCRA ) and has caused ongoing harm to my creditworthiness, reputation, and financial opportunities. [ 1 ] [ 2 ] * * Consumer Information Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Phone : XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report # : XXXX XXXX XXXX XXXX XXXX  [ 3 ] Equifax Dispute Confirmation # : XXXX XXXX XXXX XXXX XXXX [ XXXX ] Company : XXXX XXXX Equifax Information Services, LLC XXXX XXXX Complaint : Equifax continues to report and maintain an * * incorrect address * * on my credit file despite multiple disputes and clear documentary evidence showing that the address is false and tied to identity theft. [ 2 ] [ 3 ] - * * Incorrect address Equifax is reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ( listed as a residence since XX/XX/XXXX ) [ XXXX ] - * * My true, verified current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX [ XXXX ] [ XXXX ] I have * * never authorized * * the use of the XXXX address as my residence, and it is associated with fraud and identity theft, as documented in my FTC Identity Theft Report. [ 3 ] # # Evidence Provided to Equifax 1. XXXX XXXX XXXX XXXX XXXX Statement ( Prime Checking ) XXXX XXXX dated XX/XX/XXXXXXXX  - Shows my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my correct address : XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXXXXXX XXXX XXXX. [ XXXX ] - This is an official, current financial document proving my residency at the XXXX, NJ address. [ XXXX ] XXXX. * * FTC Identity Theft Report # XXXX * * dated XX/XX/XXXX - Lists my name and address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and documents that I am a * * victim of identity theft * *. [ XXXX ] - Identifies fraudulent activity and confirms there are fraudulent items and information related to my credit reports and accounts. [ XXXX ] XXXX. * * Equifax XXXX XXXX XXXX * * dated XX/XX/XXXX - Confirms they reviewed my address but still show : XXXX XXXX XXXX XXXX XXXX nj XXXX residence since : XX/XX/XXXX. [ XXXX ] - Despite my disputes and evidence, Equifax * * continues to verify and report the incorrect address * * as accurate. [ 2 ] 4. * * FTC Notice to Furnishers ( Obligations of Furnishers Under the FCRA ) * * - Clearly explains that furnishers must not report information they know or reasonably should know is inaccurate, must correct and update incomplete or inaccurate information, and must conduct proper investigations after consumer disputes. [ 4 ] All of this evidence was either already submitted to Equifax or is being attached to this CFPB complaint. 

* * FCRA Violations by Equifax Based on the above facts and documents, Equifaxs conduct appears to violate several FCRA provisions and their obligations as a furnisher and consumer reporting agency. [ 4 ] [ 2 ] * * 1. Failure to Correct Inaccurate Information After Dispute Equifax was * * notified directly * * that the XXXX address is inaccurate and fraudulent, and it received : - A current bank statement clearly showing my true address in XXXX, NJ. [ 1 ] - An FTC Identity Theft Report confirming my identity and address and documenting identity theft. [ 3 ] Despite this, Equifax continues to report the XXXX address and verified it as accurate in its XX/XX/XXXX dispute results letter. [ 2 ] This is a refusal to correct clear inaccuracy after multiple disputes and supporting documentation. 

* * 2. Failure to Conduct a Reasonable Reinvestigation Equifax claims it has completed an investigation, but the outcome is that the clearly false and fraudulent XXXX address is still reported as valid and unchanged. [ 2 ] No reasonable reinvestigation, considering the evidence ( bank statement, FTC report, and my disputes ), could legitimately conclude that the XXXX address is accurate. [ 1 ] [ 3 ] [ 2 ] * * 3. Continued Furnishing of Disputed and Fraudulent Information Equifax continues to furnish the incorrect XXXX address as part of my credit file, even though it is : - Disputed by me in writing with documentation. [ 2 ] - Directly contradicted by my bank statement and FTC Identity Theft Report. [ 3 ] [ 1 ] This ongoing reporting harms me every time my credit report is pulled and used for credit, employment, housing, or any other permissible purpose.

* * 4. Failure to Properly Address Identity Theft I submitted an * * FTC Identity Theft Report * * documenting identity theft and fraudulent information affecting my credit reports. [ 3 ] Equifax has not removed or blocked the fraudulent address tied to that identity theft and continues to treat it as legitimate. [ 3 ] [ 2 ] This is inconsistent with their obligations to respond appropriately when notified that information is the result of identity theft. 

# # Harm and Impact Equifaxs continued reporting of the false XXXX address is causing and risks causing the following harms to me : - Makes me appear associated with an address tied to identity theft and fraudulent activity. [ 3 ] - Creates inconsistencies and red flags in my credit history for lenders, landlords, and employers. [ 2 ] - May contribute to denial of credit or less favorable terms due to fraud/identity concerns. 
- Causes ongoing stress, time loss, and diminished trust in the integrity of my credit reports. 

I have taken all proper steps : I filed disputes, provided documentation, obtained and submitted an FTC Identity Theft Report, and still Equifax refuses to correct the record. [ 1 ] [ 2 ] [ 3 ] * * Requested Action by CFPB I am requesting the CFPB to * * intervene, investigate, and take enforcement action * * against Equifax for its mishandling of my disputes and for continuing to furnish inaccurate, fraudulent information. 

Specifically, I request that the CFPB require Equifax to : 1. * * Immediately remove and permanently delete * * the inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and any variations of that address. [ 2 ] 2. * * Accurately update and maintain * * my address as : - XXXX XXXX XXXX XXXX NJ XXXX, consistent with my bank statement and FTC Identity Theft Report. [ 1 ] [ 3 ] 3. * * Flag and treat all information tied to the XXXX address as identity theftrelated * * and ensure it is blocked or removed as required when associated with fraud, with appropriate notations in their records. [ 3 ] [ 2 ] 4. * * Notify all companies and third parties * * that received my Equifax report while the incorrect address was being reported that the address information was inaccurate and has been corrected. 

5. * * Add a clear consumer statement/dispute notation * * to my Equifax file , if the incorrect address is not immediately and permanently removed, stating that I dispute any association with XXXX XXXX XXXX XXXX, XXXX, NJ and that I have FTC Identity Theft Report # XXXX and bank documentation proving my correct address. [ 1 ] [ 2 ] [ 3 ] 6. * * Escalate this matter to an Equifax supervisor or higher-level compliance personnel * *, not just a frontline dispute processor, and require written confirmation of the findings and corrective steps. 

* * Demand for Sanctions and Monetary Relief Given the repeated failures by Equifax after clear and sufficient evidence was provided, I request that CFPB : - Impose * * sanctions, fines, or other enforcement remedies * * against Equifax for failing to comply with its obligations under the FCRA and related regulations, especially regarding accuracy, reinvestigation, and identity theft handling. [ 4 ] - Require Equifax to provide * * meaningful monetary relief * * to me for the time, stress, and risk created by their refusal to correct fraudulent, inaccurate address information after multiple disputes and an official FTC Identity Theft Report. [ 2 ] [ 3 ] I am asking for * * compensation for both actual and statutory damages * * appropriate under federal law for willful and/or negligent noncompliance with the FCRA, in addition to any civil penalties CFPB may impose directly on Equifax. 

* * Supervisor Review Request I am explicitly requesting that this complaint be * * escalated to a supervisor at Equifax * * and that the CFPB ensure the response is not just a generic dispute form letter but a * * substantive, supervisor-level review * * of : - Why the XXXX address was ever reported. 
- Why it remains after identity theft documentation and bank proof of address. 
- What corrective and preventive actions Equifax will take to ensure my information is accurate and such failures do not happen again. [ 1 ] [ 3 ] [ 2 ] * * Attachments Listed for CFPB Filing When submitting this complaint, I am attaching : XXXX XXXX XXXX XXXX XXXX XXXX  Statement XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) showing my name and correct address. [ 1 ] - * * FTC Identity Theft Report # XXXXXXXX XXXX XXXX ( dated XX/XX/XXXX ). [ XXXX ] - * * Equifax Dispute Results Letter * * with Confirmation # XXXX ( dated XX/XX/XXXXXXXX  ). [ 2 ] - * * FTC Notice to Furnishers of Information Obligations Under FCRA * * for legal context of Equifaxs obligations. [ 4 ] These documents collectively prove that Equifax has had more than enough information to correct my file and has chosen not to do so.

Company response to consumer: Closed with explanation