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: MO

Complaint narrative:
I am filing this formal complaint against Equifax for reporting multiple inaccurate, unverifiable, and unauthorized items on my credit report, which have severely impacted my creditworthiness. Despite numerous attempts to rectify these issues, Equifax has failed to conduct a reasonable investigation or remove the inaccurate information. Below are the specific errors : XXXX XXXX XXXX XXXX  XXXX, MO XXXX Issue : This is not now, nor has it ever been, my residence. I have no known association with this address, and it is appearing on my report without my authorization or knowledge. 
XXXX Violated : This violates the Fair Credit Reporting Act ( XXXX  ) XXXX U.S.C XXXX ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report. 
Explanation : Reporting an address I never lived at is a critical error that misrepresents my identity and may be a sign of mixed or merged files with another consumer. Equifax has continued to publish this despite disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Issue : I have never lived at this address, and it is being inaccurately reported on my credit file. 
Law Violated : FCRA XXXX U.S.C XXXX ( f ) prohibition against inclusion of information that can not be verified. 
Explanation : The presence of this address on my credit file is not only false but potentially harmful, as it could be contributing to identity confusion or mixed file scenarios. I have requested removal, but Equifax has failed to correct it. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX Issue : This address is inaccurate and not associated with me at any point in my life. 
Law Violated : FCRA XXXX U.S.C XXXX ( a ) duty to maintain reasonable procedures to avoid reporting false or misleading information. 
Explanation : XXXX inclusion of this false address indicates a failure to follow reasonable procedures in verifying identifying information. It compromises the integrity of my credit report and creates a serious risk for fraud and mistaken identity. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Issue : This account is not mine and has been falsely reported as a collection account. I have no knowledge of any debt or credit relationship with XXXX XXXX XXXX. 
XXXX Violated : FCRA XXXX U.S.C XXXX ( a ) limits on the use of consumer reports without a permissible purpose ; and XXXX U.S.C XXXX ( a ) duty to conduct a reasonable reinvestigation. 
Explanation : This collection is causing unjustified damage to my credit score. I have disputed it with Equifax, but they have failed to remove or properly verify the validity of this account. Equifax has not provided any signed contract, account records, or proof that this debt is valid and belongs to me. Continuing to report unverifiable debt is a violation of my rights. 
XXXX DEPARTMENT XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry was made without my authorization or consent. I did not apply for credit or authorize this agency to access my report on this date. 
XXXX Violated : FCRA XXXX U.S.C XXXX ( c ) only permissible purpose inquiries are allowed, and FCRA XXXX ( f ) access without permissible purpose is strictly prohibited. 
Explanation : An unauthorized inquiry negatively affects my credit and implies misuse of my personal information. Equifax has a duty to protect my data and ensure only permissible purpose inquiries are allowed. This inquiry is illegal and should be removed immediately. 
Equifax has repeatedly failed to conduct proper investigations under FCRA Section XXXX, and they continue to furnish and report erroneous information that is not only inaccurate but also harmful. I have exhausted all efforts to resolve this through XXXX internal dispute process, but they continue to neglect their legal responsibilities. I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for its repeated violations of the Fair Credit Reporting Act and to hold them accountable for the harm caused by these continued reporting errors.

Company response to consumer: Closed with non-monetary relief