Consumer complaint received 2025-07-15 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 against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect Address Law : FCRA 605 ( b ), 611 ( a ) Story : I have never lived at this address and have no connection to it. Its inclusion is damaging and reflects inaccurate identifying information which affects my creditworthiness. I request its permanent removal. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect Address Law : FCRA 607 ( b ), 611 ( a ) Story : This address does not belong to me. Including this unrelated address violates my rights under FCRA and can be seen as identity confusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Unfamiliar Address Law : FCRA 607 ( b ), 611 ( a ) Story : I have never lived or done business at this location. This may be due to a mixed file or clerical mistake. Please remove. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Duplicate and Wrong Address Law : FCRA 605 ( b ), 611 ( a ) Story : This duplicate entry further harms the accuracy of my report. I do not recognize this location and demand deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Repeated Address Entry Law : FCRA 605 ( b ), 611 ( a ) Story : This mailing address is inaccurate and repeated without validation. I have not authorized its use and request its removal. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect Address Law : FCRA 607 ( b ), 611 ( a ) Story : This is not and has never been my address. It must be removed to prevent future harm or confusion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Unfamiliar Address Law : FCRA 607 ( b ), 611 ( a ) Story : I do not recognize this property, and I have never resided there. It must be deleted from my report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Inaccurate Address Law : FCRA 605 ( b ), 611 ( a ) Story : I dispute the reporting of this address as Ive never lived there and have no affiliation with that property. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Invalid Residential Address Law : FCRA 607 ( b ), 611 ( a ) Story : I request the deletion of this address which was mistakenly attached to my report. It is not mine. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Charge-Off Status Reporting Law : FCRA 605 ( a ), 611 ( a ), 623 ( b ) Story : This account was either resolved or not authorized in the current form shown. The balance and charge-off status are inaccurate. I demand verification or deletion if validation can not be provided within 30 days as required by law. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Hard Inquiry Without Authorization Law : FCRA 604 ( a ), 611 ( a ) Story : This inquiry was not authorized by me. I did not engage in any transaction that justifies this hard pull. Please remove as per federal law. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief