Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple credit furnishers and credit reporting agencies for reporting inaccurate personal information, unauthorized hard inquiries, and false account statuses on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX Issue : Duplicate entry of incorrect address, showing negligence in credit reporting practices. 
XXXX : Repetition of inaccurate data violates the FCRAs mandate of accuracy and reasonable procedures. 
Story : Duplicate reporting of wrong addresses creates suspicion and undermines trust in my profile. It contributed to credit score drop and misidentification. 
XXXX XXXX XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1500.00} * * Issue : Late payments reported are incorrect. I made payments consistently. 
Law : Under FCRA 1681s-2 ( a ), furnishers must report accurate data.

Story : This wrongful late mark blocked me from refinancing my auto loan. I lost a lower interest offer due to their inaccurate reporting. Please delete or correct. 
XXXX | XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | XXXX : {$0.00} | Status : Charge-Off * * Issue : This account is charged-off with {$0.00} balance, which is contradictory.

Law : FCRA 1681i mandates removal of unverifiable or contradictory data.

Story : The contradictory reporting damaged my credit profile and made lenders question my reliability. I demand removal of this negative status or correction. 
XXXX | XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : Charged-off account with no clear validation or final status documentation.

Law : Under FCRA and FDCPA, any charged-off debt must be verifiable and legally collectable.

Story : I never received any validation notice, yet this charge-off appeared. It lowered my score, and now Im considered high risk by lenders. This is unjustified. 
XXXX XXXX XXXXXXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$500.00} | Status : Charge-Off * * Issue : This account status is disputed and may involve clerical error or unauthorized usage. 
Law : FCRA 1681s-2 mandates data furnishers to correct inaccurate data when disputed. 
Story : I attempted to settle this account, but it remained marked charge-off. I was denied a small business loan because of this unresolved reporting. 
XXXX  | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$130.00} | Status : Charge-Off * * Issue : This charge-off occurred without proper notification or opportunity to cure. 
Law : FDCPA 809 ( b ) gives me the right to be notified and dispute the debt before reporting. 
Story : I was enrolled in auto-debit and expected the account to remain in good standing. A sudden charge-off with no notice feels deceptive and damaging. 
ACTION REQUESTED : Remove all inaccurate addresses listed above. 
Delete or correct all disputed account data that is unverifiable or erroneous. 
Remove all unauthorized hard inquiries from my credit report. 
Conduct a full investigation into the reporting practices of the listed furnishers and inquiry initiators. 
Ensure that the credit reporting agencies update my report and notify all data furnishers of the corrections. 
These inaccuracies have had a significant negative effect on my creditworthiness, emotional well-being, and access to necessary financial products. I have made prior attempts to resolve this with the credit bureaus, but the issues remain unresolved. 
I respectfully request the CFPB to investigate this matter and take appropriate regulatory or legal action against the responsible entities.

Company response to consumer: Closed with non-monetary relief