Consumer complaint received 2025-08-13 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, I am submitting this complaint to formally report multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and related federal protections regarding inaccurate reporting, unverified personal information, and unauthorized inquiries appearing in my credit reports with major credit bureaus. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived, rented, owned, or received mail at this address. It has no association with my identity.

Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy ; FCRA 1681i ( a ) Requires prompt deletion of unverifiable data.

Story : This wrong address creates a false narrative in my credit profile that could mislead lenders into believing I have unstable residence history or that I have engaged in activities tied to that location. Such an error can cause automated systems to flag my file for fraud alerts or increase my credit risk rating, leading to higher interest rates, denials of applications, and reputational damage. I have been forced to spend time and resources addressing potential fraud concerns caused solely by your failure to remove unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : No association or occupation of this property has ever existed in my records.

Law : FCRA 1681e ( b ).

Story : This is a critical file contamination that creates the risk of identity theft linkage. If the person living at this address has any open accounts or criminal issues, automated background checks can falsely attach them to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Unrelated to my personal history.

Law : FCRA 1681i ( a ).

Story : This is a reckless example of mixed file reporting, creating confusion for creditors and potentially attaching unrelated derogatory data to my report, resulting in denied opportunities and reputational harm. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This is not and has never been my residence.

Law : FCRA 1681e ( b ).

Story : Such errors damage my credibility and could raise suspicion during identity verification processes when applying for housing, loans, or employment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : False and unverified. 
Law : FCRA 1681i ( a ).

Story : This address error could easily lead to lenders or landlords denying my applications due to address mismatches, causing financial loss and wasted opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : No link to me whatsoever. 
Law : FCRA 1681e ( b ).

Story : Keeping wrong addresses increases the probability of credit file pollution and makes it harder to resolve legitimate disputes. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Incorrect and misleading entry.

Law : FCRA 1681i ( a ).

Story : This false address can cause serious confusion in any underwriting process and can lead to wrongful rejections. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : No verifiable link to my identity exists.

Law : FCRA 1681e ( b ).

Story : Continued reporting could connect me to unrelated legal or financial obligations, putting my personal and professional life at risk. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Late Payment Issue : Late payment reporting is inaccurate and unverified.

Law : FCRA 1681s-2 ( a ).

Story : This alleged delinquency is not supported by my payment records. False late payment data directly impacts my credit score, creates a history of financial irresponsibility that is untrue, and causes unnecessary emotional distress and financial loss when creditors reject applications. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2400.00} Late Payment Issue : The reported delinquency is false and unverifiable.

Law : FCRA 1681s-2 ( a ).

Story : This negative entry misrepresents my payment habits, which can lead to higher borrowing costs, denial of credit, and loss of business opportunities. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Late Payment Issue : Inaccurate reporting without evidence. 
Law : FCRA 1681s-2 ( a ).

Story : An unjustified late payment can cause lenders to label me as a high-risk borrower, resulting in severe financial harm and mental anguish. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : Unauthorized access to my credit file. 
Law : FCRA 1681b.

Story : Multiple CoreLogic-related inquiries without permission indicate serious breaches of protocol. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No consent was given.

Law : FCRA 1681b ( f ).

Story : This false inquiry damages my score and makes me appear financially unstable. 
REQUEST FOR CFPB INTERVENTION I have disputed these items directly with the credit bureaus and have not received proper resolution as required by law. The bureaus and furnishers have failed to provide documented evidence supporting these entries, yet continue to report them. This is a direct violation of FCRA 1681e ( b ) and 1681i ( a ), and I request the CFPB to : 1. Investigate the credit bureaus and furnishers involved.

2. Require the immediate deletion of all unverifiable addresses, accounts, and inquiries.

3. Ensure compliance with all provisions of the FCRA and applicable regulations.

Company response to consumer: Closed with non-monetary relief