Consumer complaint received 2025-08-01 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Wrong address reporting, never resided Story : This address does not belong to me. I have never lived at this location, and any data connected to it is a result of mixed files or identity errors. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Invalid mailing address Story : I have never used this XXXX XXXX XXXX I believe this was added due to mixed or inaccurate information. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Invalid residential address Story : This address has never been mine. It appears in error and is not associated with my personal history. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Duplicate/inaccurate address Story : This location is being reported twice and neither version is valid. I do not have any association with this address. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Unknown and incorrect address Story : I never lived or worked at this address. This may be someone elses data being mixed with mine. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Incorrect data entry Story : I have no connection to this place. This address needs to be removed from my report immediately. 

XXXX XXXX XXXX, MI XXXX Law : FCRA 605 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : Invalid address on file Story : This address is completely unfamiliar to me. It should not be on my file as Ive never lived there. 

XXXX XXXX XXXX XXXX Law : FCRA 609 ( a ), 611 ( a ) ( 5 ), 602 ( A ) Issue : Collection account not verified Story : I dont recall ever opening this lease. I requested full validation and never received it. This item must be deleted. 

XXXX XXXX Law : FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ) Issue : Late payment reported in error Story : I was in deferment during the time of the alleged late payment. This is a mistake and must be corrected. 

XXXX XXXX Law : FCRA 609 ( a ), 611 ( a ) ( 1 ) ( A ) Issue : Charge-off with {$0.00} balance still showing Story : This account was settled and should not be marked as a charge-off. Please correct or remove immediately. 

XXXX XXXX XXXX Law : FCRA 611 ( a ) ( 1 ), 609 ( a ) ( 1 ) Issue : Charge-off inaccurately reported Story : This loan was resolved and should not appear as a charge-off. The balance is {$0.00} but the derogatory status remains, which is misleading. 

XXXX XXXX XXXX XXXXXXXX Law : FCRA 609 ( a ), 623 ( a ) Issue : High-balance charge-off not validated Story : This is an incorrect reporting. I asked for validation, but nothing was sent to me. Please delete or correct. 

XXXX XXXX XXXX Law : FCRA 623 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ) Issue : Incorrect charge-off amount Story : I already disputed this previously and no verification has been returned. I believe this is inaccurate. 

XXXX XXXX XXXX Law : FCRA 611 ( a ), 623 ( b ) Issue : Misleading charge-off status Story : This item was paid. It should not remain charged off on my report. Please update or delete. 

XXXX XXXX XXXX XXXXXXXX Law : FCRA 609 ( a ), 623 ( a ) ( 1 ) ( B ) Issue : Debt is inaccurate Story : This account was closed in good standing, yet being reported as a charge-off. That is incorrect and misleading. 

XXXX XXXX XXXX XXXX Law : FDCPA 807 ( 8 ), FCRA 609 Issue : Collection without proper debt validation Story : I never received any written notice for this debt. The collector failed to verify as required under the FDCPA. 

XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 623, FDCPA 809 ( b ) Issue : Collection showing with errors Story : This account should not be in collection. The balance appears inflated and Ive received no prior warning or validation. 

XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) Issue : Duplicate or misreported account Story : I have no account with this bank. It may be fraud or identity confusion. No response to prior validation request. 

XXXX XXXX XXXX XXXX Law : FCRA 605 ( a ), 611 Issue : Bankruptcy inaccurately reported Story : This court entry appears in multiple forms, which creates confusion. I am disputing the accuracy and requesting a reinvestigation. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

Company response to consumer: Closed with non-monetary relief