Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14535731
Complaint Overview
Complaint ID: 14535731
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Illinois
ZIP Code: 60615
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically related to the inaccurate reporting of personal identifying information, an unverifiable derogatory account, and an unauthorized hard inquiry. Despite my efforts to resolve these issues directly, Equifax has failed to properly investigate or correct the errors, and I am requesting the CFPB 's assistance in enforcing my rights. XXXX. Wrong Address Reporting Violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Equifax is reporting two addresses on my credit file that are completely inaccurate and have never been associated with me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX addresses are erroneous and their presence on my file indicates a potential case of file misassociation or identity confusion. I have never lived at these addresses nor used them on any application. Reporting such false data without sufficient verification is a direct violation of XXXX legal obligation to maintain maximum possible accuracy in credit files. XXXX. Inaccurate Account Reporting XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Violates FCRA XXXX and FDCPA XXXX * * Equifax is XXXX reporting an account from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a high balance of {$19000.00} and a charge-off status dated XX/XX/XXXX. I have disputed this account because it is inaccurate, outdated, and misleading. I was never provided proper documentation validating this debt, nor was I informed of my right to dispute it. Reporting this account without full verification violates FCRA 1681i, which requires Equifax to investigate disputed items within 30 days and delete or correct unverifiable data. The failure to investigate and validate this account also constitutes a violation of the FDCPA 809 [ 15 U.S.C. 1692g ], which mandates debt validation when requested. 3. Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Violates FCRA 604 [ 15 U.S.C. 1681b ] My credit file reflects a hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for any credit with this institution, nor did I authorize this inquiry. Under FCRA 604, a hard inquiry can only be made with the consumers explicit consent or in connection with a legitimate credit transaction. This inquiry has harmed my credit score and may indicate identity theft or negligent reporting by Equifax. I have requested proof of authorization, but none has been provided. Equifax has failed to comply with federal law by continuing to report incorrect personal data, a derogatory tradeline that lacks proper validation, and an inquiry that was not authorized by me. These violations have caused serious damage to my credit standing, affected my ability to obtain financial products, and caused significant emotional and financial stress. I respectfully request the CFPBs urgent intervention to compel Equifax to : Delete the incorrect addresses listed above Remove or fully validate the XXXX account reporting as a charge-off Remove the unauthorized XXXXXXXX XXXX XXXXXXXX inquiry I am also requesting that the CFPB review Equifax 's compliance practices and hold them accountable for failing to uphold the consumer protections guaranteed under the FCRA and FDCPA. Thank you for your time and assistance.
Frequently Asked Questions
What is Complaint #14535731 about?
Complaint #14535731 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-08T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.