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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA Section 609 ( c ) ( 2 ) ( E ) and Section 611 ( a ) Issue : This address is unknown to me and does not belong to me Story : I have never lived at or been associated with this address this is not a valid or authorized address related to my identity and must be removed to prevent further reporting inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA Section 609 and 611 Issue : I have never resided at this address nor authorized it for use Story : This address appears on my report without any valid relationship to me I request immediate deletion due to its inaccuracy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA Section 609 and 611 Issue : This address is invalid for my credit profile Story : I have no ties to this address and its appearance on my credit file constitutes an error requiring prompt correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 ( a ) ( 1 ) ( A ) Issue : This account is reporting inaccurate charge-off status Story : I dispute this entry as I do not have a valid account with this creditor in this manner and the reporting has no supporting verification documents provided under my previous request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 Issue : Account status is incorrect and unverifiable Story : This item does not match any legitimate obligation on my part and needs to be reinvestigated properly with actual documentation XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 623 and 611 Issue : Reporting as a charge-off despite {$0.00} balance Story : This contradictory entry reflects inaccurate status a XXXX balance can not be charged off and I request deletion of this erroneous item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * Law : FCRA Section 611 and 623 Issue : Late payment reported inaccurately Story : I was under forbearance or deferment status during this time as per federal student loan protections yet this account reflects a delinquency that should not exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * Law : FCRA 623 and 611 Issue : Misreported delinquencies Story : This loan was not delinquent under Department of Education guidelines this is a misrepresentation and needs correction or removal XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 611 Issue : Negative information tied to an inactive balance Story : It is contradictory to report a late payment when the account holds a XXXX balance and this must be addressed in your reinvestigation XXXX  XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * Law : FCRA Section 611 Issue : Forbearance status overlooked in reporting Story : This loan was under active federal protection with no missed payments and yet is reported delinquent in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA Section 611 Issue : Inconsistent and unverified reporting Story : Payments were in good standing or under approved deferment the late payment status here is factually unsupported and must be corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late Payment * * Law : FCRA 611 Issue : Unjustified derogatory status Story : I dispute this item because payments were not late based on agreed terms this listing reflects inaccurate and harmful reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Chargeoff * * Law : FDCPA and FCRA 623 Issue : No proof of debt or original agreement Story : This is a third-party collection showing a charge-off that I have never validated or acknowledged and you have failed to provide lawful documentation upon my first dispute XXXX  XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Chargeoff * * Law : FCRA 611 and FDCPA Issue : Inaccurate collection and invalid charge-off Story : XXXX has yet to verify this debt which is reported unfairly and causes damage without verified legal basis XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$650.00} Chargeoff * * Law : FDCPA and FCRA 611 Issue : Debt buyer reporting with no substantiation Story : XXXX record is unsupported and lacks chain of title or proof of original creditor obligation therefore it should be removed XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : Permissible purpose not established Story : I never applied for any credit product that would permit this inquiry this is a clear FCRA violation and must be deleted I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

Company response to consumer: Closed with non-monetary relief