Consumer complaint received 2025-12-09 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:
My consumer report contains multiple inaccurate accounts and wrong addresses that are harming me. I am requesting immediate correction because these items are not accurate, not verified, and violate federal law. I have never made late payments on any of the accounts listed below, yet they continue to report false late payment history. The addresses reported have no connection to me and must be removed. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX This address has never been mine at any time. Reporting it is inaccurate and must be removed because it has no connection to my identity and no verifiable documentation exists to support it. 

XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and its appearance reflects inaccurate data matching that must be corrected. 

XXXX XXXX XXXX XXXX, MI XXXX I have never been connected to this address. It is not mine and it must be removed. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX This is an incorrect and unverified address. I never lived here and it must be deleted. 

XXXX XXXX XXXX XXXX, MI XXXX This address has no relationship to me at any time. Its reporting is wrong and must be removed. 

XXXX XXXX XXXX XXXX, MI XXXX I do not have any link to this location. It was never part of my personal information and must be corrected. 

XXXX XXXX XXXX XXXX, MI XXXX I was never associated with this address and it must be deleted immediately. 

ADDRESS XXXX XXXX XXXX XXXX, MI XXXX This duplicate incorrect address appears again even though it does not belong to me. It is causing additional damage and must be removed. 

XXXX XXXX XXXX XXXX, MI XXXX I have no connection to this address. It is false information and must be deleted. 

XXXX XXXX XXXX XXXX, MI XXXX This is not my address and I have never lived there. Its appearance is incorrect and must be removed. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} The late payment information listed is inaccurate. I have never made any late payments on this account and it must be corrected immediately. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} The reported late payment is false. My payment history is on time and this error must be fixed. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} This late payment reporting is incorrect. I have always paid on time and this must be corrected. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} I have no late payments on this account and the reporting is inaccurate. It must be fixed. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} The late payment history is wrong. I never paid late and the record must be corrected. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} This reporting is incorrect. I did not make any late payments and the data must be fixed. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} The late payment record is wrong and must be corrected because I always pay on time. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$530.00} This late payment information is inaccurate. I have never paid late and the account history must reflect that. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$640.00} This reported late payment is false and must be corrected immediately to show my accurate payment history. 

XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} I have no knowledge of this collection account. I have never had any debt with this entity and it must be deleted because it does not belong to me. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} I have no knowledge of this charge-off account and it does not belong to me. It must be removed immediately as it is not my account. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} This collection account is not mine. I do not recognize it, I never had any account with this company, and it must be deleted. 

These items are false, harmful, and violate the accuracy and reinvestigation requirements of the FCRA. I am requesting full correction or deletion of all inaccurate information immediately.

Company response to consumer: Closed with explanation