Consumer complaint received 2025-07-25 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 CFPB Representative, I am submitting this formal complaint regarding multiple false, inaccurate, and unverifiable items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These inaccurate entries are harming my financial life and creating false impressions of my creditworthiness. 
I have attempted to resolve these issues with the credit bureaus and furnishers directly, but they have failed to investigate or provide proper validation. I now ask for XXXX assistance in investigating and compelling deletion or correction of the following : XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong address linked to my credit file Law : FCRA 1681e ( b ) requires maximum possible accuracy of reported information Explanation : This address has been reported in connection with my credit profile despite the fact that I have never lived, worked, or authorized any financial activity at this location. Reporting this inaccurate address creates confusion, risks mistaken identity, and misleads creditors about my actual residence history. Such misinformation violates my rights under the FCRA because it impacts the accuracy of my credit report, potentially leading to wrongful credit denials or increased interest rates. I request immediate removal of this incorrect address to prevent further harm. 
XXXX SANDS XXXX XXXX XXXX, TX XXXX Issue : Wrong address incorrectly reported Law : FCRA 1681e ( b ), and the general right to privacy under FCRA provisions Explanation : This address is unrelated to me. Its inclusion on my credit file suggests careless reporting or possible identity theft. The effect of reporting false addresses is to damage my credit profile and expose me to risks such as fraudulent activity or mistaken identity. Under the FCRA, furnishers must ensure the data they report is complete and accurate. The failure to correct such blatant errors harms my creditworthiness unfairly and demands urgent correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$810.00} Collection Issue : Unverified collection account reported inaccurately Law : FCRA 1681i ( a ) right to dispute and request validation of debt ; FDCPA 15 U.S.C. 1692g validation of debt requirements Explanation : This collection account is reported without providing proper validation or documentation that it is legitimately mine or that the amount is accurate. I have not received any validation notices as required by the FDCPA. Reporting unverified debt is unlawful under federal law and unfairly damages my credit score and reputation. Until valid proof is provided, this account is invalid and must be removed. 
XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$370.00} Collection Issue : Unsubstantiated collection account Law : FCRA 1681i ( a ), FDCPA 1692g Explanation : This collection account has been reported without proper substantiation. I have never been contacted or provided validation of this debt. Reporting without validation violates my rights under the FCRA and FDCPA, causing unjust damage to my creditworthiness. Such unverified accounts must be removed until proper proof is furnished. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$17000.00} Charge Off Issue : Disputed charge-off balance and reporting accuracy Law : FCRA 1681i, FDCPA 1692g Explanation : I dispute the balance and charge-off date on this account. I have not received timely notifications or verification as required by law. The reporting of inaccurate balances or charge-off dates is misleading to creditors and unfairly damages my credit. This violates my rights under both the FCRA and FDCPA. I demand validation or immediate removal of this entry. 
Conclusion : The above entries represent ongoing violations of federal law. These items are damaging my credit report, affecting my ability to obtain housing, employment, and financial opportunities. I respectfully request that the CFPB investigate these items and enforce the correction or deletion of all inaccurate and unverified information. I am prepared to provide any additional documentation needed. 
Thank you for your time and for protecting the rights of consumers like me.

Company response to consumer: Closed with non-monetary relief