Consumer complaint received 2025-07-24 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:
CFPB Complaint Letter I am submitting this formal complaint regarding multiple inaccurate and harmful items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. I have previously sent dispute letters to the credit reporting agencies and data furnishers, but the issues remain unresolved. The inaccurate items are negatively affecting my creditworthiness, access to housing, employment, and fair financial opportunities. 
Below are the details of the accounts, inquiries, and address inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address is not mine and has no connection to me. I have never lived or received mail at this address. Reporting such false personal information is a clear violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : This incorrect address has caused confusion during employment background checks and verifications. It has resulted in delays in applications and potential denials. I believe this address may be tied to a mixed file or possible identity theft. I am demanding the permanent deletion of this address from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$300.00} Date Opened : XX/XX/XXXX XXXX XXXX Issue : This account is inaccurately reported as a charge-off. I previously requested verification and received no proper documentation showing that I owe this alleged debt. Under FCRA 609 ( a ) ( 1 ), I have the right to receive all records and contracts bearing my signature.

Law : FCRA 623 ( a ) ( 5 ), 609 ( a ) ( 1 ), FDCPA 807 ( 8 ) Story : This account is being reported inaccurately and without proper verification. The original creditor has failed to provide proof of a legitimate charge-off, and I was never notified as required under the law. This has severely harmed my credit standing and affected my ability to obtain secure housing and reliable transportation. I am demanding immediate deletion of this inaccurate tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX XXXX Issue : This account is reporting late payments during a period when I was under documented financial hardship and attempted to communicate with the lender. I was expecting a forbearance or accommodation, but my concerns were not addressed.

Law : FCRA 607 ( b ), CARES Act for COVID-related accommodations Story : I faced unexpected job loss and submitted a hardship request to Ally Financial. I never received clear communication or an option for deferral. Reporting late payments without acknowledging financial hardship during COVID-19 is unfair, misleading, and damaging. I request either full deletion or correction of this account to paid as agreed status. 
XXXX XXXX XXXX XXXX Collection High Balance : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX Issue : This is a collection account reported by a third-party debt buyer. XXXX XXXX has failed to provide proper validation. Under FDCPA 809 ( b ), the collector must cease collection and reporting activity until debt validation is completed.

Law : FDCPA 809 ( b ), FCRA 607 ( b ), 611 Story : I never received a debt validation letter from XXXX XXXX XXXX. I have no knowledge of this debt. Reporting this account without full investigation and without my written acknowledgment is not only irresponsible but also unlawful. I demand deletion of this collection from my credit report. 
XXXX Hard Inquiry XX/XX/XXXX Issue : I never applied for any account with XXXX XXXX XXXXXXXX on this date or at any time. This inquiry is unauthorized. 
Law : FCRA 604 ( a ) ( 3 ), 607 ( a ), FACTA  Story : This inquiry was done without my consent and could be linked to a fraudulent application using my information. I want this hard inquiry removed from my credit report and a reinvestigation conducted immediately. 
Requested Resolution : I am requesting the CFPBs urgent assistance in compelling the credit reporting agencies and furnishers to : Permanently remove the inaccurate address Delete all unverifiable and unauthorized accounts and inquiries Provide copies of signed contracts and verification where applicable Investigate possible identity theft or mixed file errors If these issues are not resolved, I am prepared to escalate further to the FTC and pursue legal action for damages caused by negligent and willful violations of federal law. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief