Consumer complaint received 2025-07-17 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 filing this formal complaint because multiple items on my credit report are inaccurate, unauthorized, and harmful. These include wrong addresses, incorrect late payments and charge-offs, collections that were never validated, and numerous unauthorized hard inquiries. I have already submitted dispute letters to the credit reporting agencies ( XXXX XXXX Equifax ), and the data furnishers. However, many items remain unresolved. These errors are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These violations are severely affecting my creditworthiness, access to housing, and causing mental distress. 
INCORRECT / UNAUTHORIZED ADDRESSES XXXX XXXX XXXX, XXXX, MI XXXX Issue : This is not my current or previous residence and has no connection to my personal history.

Law : FCRA 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy of consumer information. 
Story : I discovered this address while reviewing my credit report, and I have never lived here, visited this property, or authorized any account to be opened using it. Its presence indicates a potential mixed file error or identity theft, and it falsely associates me with a location I have no relation to. This XXXX cause lenders to assume fraudulent behavior or instability in my residence history. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Issue : This is an unfamiliar and inaccurate address with no ties to my profile. 
XXXX : FCRA 1681e ( b ) and 609 ( a ) require accurate reporting and full consumer disclosure of data sources. 
Story : I have never been associated with this apartment. Its appearance is deeply concerning as it implies possible unauthorized use of my identity. This is a classic symptom of a merged file or identity theft case, and it causes emotional distress, rejection of credit, and undue scrutiny. 
INACCURATE / DAMAGING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payment * * Issue : Late payment was incorrectly reported. 
Law : FCRA 611 and FDCPA 809 ( b ) provide rights to dispute and request validation of inaccurate account data. 
Story : I was under the impression that this account was on autopay, and I never received any notification of a missed payment. I was also dealing with serious personal issues during this time, and no courtesy reminder was sent. This false reporting significantly dropped my credit score and resulted in a declined loan. I request full proof of payment history or deletion. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$710.00} Late Payment * * Issue : Incorrect reporting of late payment. 
Law : XXXX FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers must not report inaccurate information to CRAs. 
XXXX : This account was paid on time, and I was never notified of a late status. I had consistent payments before and after the alleged late month. Reporting this as late has severely impacted my XXXX score and jeopardized a rental application. I never received proof or due process. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Reporting a late payment after balance was closed. 
XXXX : FCRA XXXX prohibits reporting of misleading data. 
XXXX : This account was paid in full and closed, yet a late payment was reported afterward. This is inaccurate, confusing to underwriters, and gives a false impression of mismanagement. I have no outstanding balance and should not be penalized. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Charge-off * * Issue : Account charged off without validation or warning. 
Law : FDCPA XXXX and FCRA XXXX ( a ) ( XXXX ) require proper notice and documentation before charge-off. 
Story : I was never provided notice of default or offered a repayment option. The sudden charge-off damaged my score and reputation. I was facing financial hardship and had tried to negotiate. I request the original account agreement and ledger, or its removal from my report. 
XXXX FIN XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off * * Issue : Account shows charge-off despite {$0.00} balance. 
XXXX : FCRA XXXX ( b ) ensures accuracy, and contradictory data violates that. 
XXXX : This account appears to be settled or paid in full but is still listed as charged-off. This inconsistency misrepresents my payment history and misleads lenders. I request documentation proving any balance charged off, or full deletion. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$180.00} Charge-off * * Issue : Deceptive credit-building product turned into charge-off. 
XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ) allows me to request the complete file, and FDCPA XXXX ( XXXX ) prohibits misleading debt. 
XXXX : This product was advertised as a risk-free credit builder. I was not informed of hidden terms or charges that led to this account being charged off. This is deceptive, harmful, and illegal. I request full validation or permanent deletion. 
UNAUTHORIZED / HARMFUL CREDIT INQUIRIES GLOBALLEND XX/XX/XXXX Issue : No authorization or credit application. 
XXXX : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without express consent. 
Story : I never applied for credit with this company. This is damaging and unlawful access of my credit file. 
XXXX REQUESTED : XXXX. I request immediate investigation and permanent deletion of all unauthorized inquiries, inaccurate accounts, and incorrect addresses. 
XXXX. I request that the CFPB ensure these companies provide written validation, and the CRAs comply with the reinvestigation duties under FCRA XXXX. 
XXXX. If the furnishers can not validate these entries, I request permanent deletion as required by law. 
XXXX. I request compensation for the damage caused, and an official CFPB investigation into any pattern of negligent or malicious behavior by the data furnishers and CRAs involved.

Company response to consumer: Closed with non-monetary relief