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XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Law Issue : Under FCRA 605 ( a ), outdated or unverifiable address information must be removed Story : I have never resided at this address and it does not belong to me. Its presence is causing confusion and contributing to mistaken identity on my credit profile. 
XXXX XXXX XXXX XXXX, MI XXXX Law Issue : FCRA Section 607 ( b ) requires credit bureaus to maintain accurate and up-to-date consumer records Story : This address is not mine, nor have I ever used it in any application. Its inclusion is a factual error that must be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} * * Law Issue : FCRA 611 and FDCPA 807 ( 8 ) prohibit furnishing or reporting inaccurate information or re-aged debt Story : This account is a third-party debt buyer 's entry. I was never notified or provided with proper validation. The date appears to be re-aged and there is no original creditor documentation verifying its accuracy. It must be removed unless full validation is provided. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law Issue : FCRA Section 605 ( b ) requires removal of derogatory accounts with {$0.00} balance and no current relevance Story : This charge-off is inaccurate. The balance is {$0.00} and yet it continues to show negative activity. This misleads lenders and unfairly damages my creditworthiness. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law Issue : FCRA Section 609 ( a ) ( 1 ) grants me the right to request source documentation ; failure to provide mandates removal Story : This account has been closed with XXXX balance for years. The derogatory status is misleading and no documentation was ever provided when requested. It should be permanently deleted. 
XXXX XXXX XXXX06623 * * Date Opened : XX/XX/XXXX Balance : {$6700.00} * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) mandates that information furnished to credit bureaus must be complete and accurate Story : This account reflects late payments, but I was under financial hardship and requested deferrals that were acknowledged verbally but not documented. I dispute the reporting accuracy of these delinquencies. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Law Issue : FDCPA 809 ( b ) requires creditors and collectors to validate a debt upon dispute Story : This charge-off is not accurate. I had made several attempts to settle this account, and never received proper notice of default or validation. I request full documentation or immediate deletion. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$160.00} * * Law Issue : FCRA 611 and FDCPA 808 ( 1 ) bar unfair or deceptive means to collect or report on a disputed debt Story : This account is old and disputed, and the reporting of a charge-off status for such a small amount without verification appears retaliatory. I demand reinvestigation and proper proof of liability. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law Issue : FCRA 605 ( a ) ( 5 ) restricts negative accounts from being reported beyond 7 years from date of first delinquency Story : This account is over a decade old with a {$0.00} balance and still shows as charged off. It violates FCRA aging requirements and should be immediately deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} * * Law Issue : FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) require verifiable and non-deceptive reporting Story : This charge-off remains disputed. I was never provided full details or billing history. The amount is inflated and lacks supporting documentation from the original creditor. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law Issue : FCRA Section 609 ( c ) ( 1 ) ( E ) requires that obsolete or misleading charge-offs with no current balance be removed Story : This is a {$0.00} balance account marked as a charge-off without clear justification. It's harming my score despite being fully resolved. I dispute its derogatory status. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} * * Law Issue : Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as disputed if a consumer files a dispute Story : I previously disputed this entry and XXXX XXXX failed to update it as " disputed. '' I was not responsible for all charges and never received a proper billing breakdown. It must be reinvestigated. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$590.00} * * Law Issue : FCRA XXXX and FDCPA XXXX ( b ) require full debt validation and removal of unverifiable debts Story : This charge-off has never been validated, and I was not notified about the account entering default. Reporting this without verification violates my rights and must be corrected or removed. 
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