Consumer complaint received 2025-08-12 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 complaint against [ Credit Bureau XXXX ] for reporting inaccurate and unverifiable information on my credit report. I have already disputed these items directly with the credit bureau, but the errors remain. This violates the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Below is a breakdown of each disputed item, the issues, the applicable laws, and the facts. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at, rented, or had any connection to this address. 
XXXX : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy, and 1681i ( a ) requires deletion of unverifiable information. 
Story : Including this address falsely associates me with a location and potential debts that are not mine. This creates confusion for lenders, increases my identity theft risk, and unfairly damages my credit reputation. I have no utility bills, leases, or any document linking me to this property. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at or been associated with this address. 
Law : Under FCRA 1681e ( b ), credit bureaus must ensure accuracy ; inaccurate addresses must be removed immediately when disputed. 
XXXX : This incorrect entry could link me to another consumers accounts or negative records. My clean residency history is essential for rental applications, background checks, and loan approvals, and this misinformation harms that. 
MICHIGAN XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$500.00} Late Payment Issue : The late payment history is inaccurate and does not reflect my actual payment record.

Law : FCRA 1681s-2 ( a ) prohibits furnishers from reporting false information ; 1681i requires investigation ; Truth in Lending Act ( TILA ) 15 U.S.C. 1666 protects consumers from billing errors.

Story : I made my payments as agreed or was in a documented dispute at the time. The reported delinquency has lowered my credit score and caused denials for credit, which is financially damaging and reputationally harmful. No verification documents have been provided. 
MICHIGAN XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$560.00} Late Payment Issue : This late payment notation is incorrect and unsupported by records. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct inaccuracies after notice of dispute ; continued false reporting can lead to liability under 1681n and 1681o.

Story : I was never late on this account or had arrangements in place that should have prevented derogatory reporting. This false mark makes me appear financially irresponsible to potential lenders, which is not true and is causing real damage. 
Requested Action : I request that the CFPB direct [ Credit Bureau XXXX ] to conduct a thorough reinvestigation of all listed addresses and accounts, provide documentary proof from the original creditors, and permanently delete any unverifiable or inaccurate information from my credit file. Continued reporting without proof violates the FCRA and causes ongoing harm to my creditworthiness, loan eligibility, and financial stability.

Company response to consumer: Closed with non-monetary relief