Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against multiple creditors and credit reporting agencies for reporting inaccurate, unverifiable, and harmful information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
These inaccuracies have caused severe financial damage to me, including credit denials, higher interest rates, and emotional distress. I have attempted to resolve these matters through direct disputes, but the issues remain unresolved. 
I. Inaccurate Addresses Listed on My Credit Report The following addresses are incorrectly associated with my credit profile. I have never resided at these addresses : XXXX XXXX XXXX, WI XXXX XXXX GREEN TREE XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX These inaccurate addresses suggest possible file mixing or identity theft and must be immediately removed. 
Violation : FCRA 1681e ( b ) - Failure to maintain maximum possible accuracy of consumer information. 
II. Accounts with Inaccurate or Unverified Negative Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} Opened : XX/XX/XXXX Reported inaccurately. I requested validation and have received none. 
Violation : FCRA 1681i ( a ), 1681s-2 ( b ) XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$530.00} Opened : XX/XX/XXXX Status : Collection This account is not recognized. Validation not provided. 
Violation : FCRA 1681g, 15 U.S.C. 1692g ( FDCPA ) XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Charge-Off Amount and terms are disputed ; no validation provided. 
Violation : FCRA 1681i, 1681s-2 ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violation : FCRA 1681e ( b ), 1681i 5. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : XXXX This is inaccurately reported and never validated. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i 6. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contains erroneous payment history and incorrect balance. 
Violation : FCRA 1681e ( b ) XXXX. XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history is inaccurate, with late payments misreported. 
Violation : FCRA 1681c ( a ) ( 5 ), 1681s-2 ( b ) 8. XXXX XXXX # : Not clearly disclosed ; multiple inaccurate listings No verification provided. 
Violation : FCRA 1681g, 1681s-2 ( b ) XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All reported without sufficient verification or have inaccurate account status. 
Violation : FCRA 1681e ( b ), 15 U.S.C. 1692g ( FDCPA ) Requested Relief : 1. Immediate deletion of all the incorrect addresses listed above.

2. Deletion or correction of all the accounts listed that are inaccurate or unverifiable.

3. A formal investigation into these violations.

4. Confirmation in writing that these corrections have been made. 
I am attaching a copy of my credit report, dispute letters sent, and any supporting documents. I request CFPBs urgent attention to this matter as my consumer rights have been significantly violated.

Company response to consumer: Closed with explanation