Consumer complaint received 2025-08-13 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 complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and my consumer rights. This is my second dispute attempt for the same items. My initial dispute with the credit bureaus remains unresolved, and I have not yet submitted to the FTC, but due to continued inaccurate reporting and lack of proper investigation, I am escalating to the CFPB for immediate intervention. The following inaccurate, unverifiable, and duplicate items are causing severe damage to my credit profile : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Completely wrong address listed. 
Law : 15 U.S.C. 1681c ( a ) requires exclusion of obsolete, irrelevant, or false identification information.

Story : This address is not and has never been mine. Inclusion links my name to unknown debts and accounts, increasing the risk of being wrongly penalized in employment or rental credit screenings and disrupting essential life opportunities. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payment wrongly reported against me.

Law : FCRA Section 1681s-2 ( a ) prohibits knowingly furnishing inaccurate data.

Story : I never opened or agreed to any contract with XXXX XXXX. This false entry paints me as a high-risk borrower to banks and employers, resulting in poor loan terms, lost job opportunities, and reputational damage. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Inaccurate late payment history.

Law : FCRA Section 605B requires removal of unverifiable records.

Story : Previous disputes produced no supporting documents, yet negative history affects my ability to qualify for fair credit and stresses my ability to plan financially for the future. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : Unverified charge-off reported.

Law : FCRA Section 611 mandates prompt reinvestigation and removal.

Story : No original contract, proof, or debt assignment connects me with this account, but its inclusion drives down my credit score, creates a misleading credit risk profile, and subjects me to unnecessary financial hardship. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$310.00} Issue : Account reflects fraud or identity mix ; its not mine.

Law : FCRA Section 623 ( a ) ( 1 ) requires only correct, truthful reporting.

Story : Despite prior disputes, this error persists. This unjust entry lowers my score, raises borrowing costs, damages my relationships with other creditors, and frustrates my financial growth. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$60.00} Issue : Late payment reported without proof.

Law : FCRA Section 611 ( a ) ( 5 ) requires removal if unverified.

Story : False reporting on even minor accounts makes me look financially irresponsible, which may result in denied credit, higher interest rates, and an impaired reputation for timely payments. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Possible fraud or wrong customer linkage.

Law : FCRA Section 1681e ( b ) for maximum accuracy.

Story : No XXXX account in my name exists, so this charge-off labels me as an unreliable customer, potentially preventing me from getting mobile services or favorable telecom terms. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$440.00} Issue : Balance and charge-off dates do not match official creditor records.

Law : FCRA Section 607 ( b ) Story : Lenders see conflicting information and may reject my applications based on perceived instability or reliability. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Issue : Unjust duplicate entry.

Law : FCRA Section 607 ( b ) Story : Showing identical negative XXXX accounts twice means my score takes a hit for the same issue two times, discouraging retail creditors from working with me. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Issue : Duplicate of above.

Story : The doubled entry makes me look riskier than I am and blocks opportunities for store credit, installment plans, and discounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$350.00} Issue : Duplicate account, numbers differ.

Law : FCRA Section 611 and 604 Story : This confusion misstates my debt obligations, impacting future revolving credit applications and risk evaluations. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : Duplicate reporting, differing details.

Story : Each time this occurs, my score and approval odds decline, compounding financial setbacks. 

XXXX XXXX Date Opened : XX/XX/XXXX Issue : No documentation for charge-off.

Law : FCRA Section 611 Story : Continuous publication of unverifiable debts damages my professional standing and jeopardizes my personal financial plans. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry without permission. 
Law : FCRA Section 604 Story : Reported repeatedly without my consent, harming my profile and ongoing credit applications. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry without my consent. 
Law : FCRA Section 604 Story : This unauthorized credit pull has directly impacted my ability to qualify for services and increased the risk of identity theft.

RELIEF REQUESTED : I am requesting that the CFPB require the credit bureaus and furnishers to : 1. Permanently delete all wrong addresses listed above.

2. Remove all inaccurate, unverifiable, and duplicate account entries.

3. Remove all unauthorized hard inquiries.

4. Provide written confirmation of deletions and corrections within the statutory 30-day period.

The continued reporting of these items after prior disputes demonstrates willful noncompliance with the FCRA and negligent investigation practices. I am requesting CFPB enforcement action to ensure compliance and restore accuracy to my credit file.

Company response to consumer: Closed with non-monetary relief