Consumer complaint received 2025-07-17 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:
To Whom It May Concern : I am submitting this complaint to report severe and repeated violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by credit reporting agencies and data furnishers. My consumer credit report contains multiple inaccurate addresses, accounts, and inquiries that are damaging my financial standing, misrepresenting my identity, and violating my legal rights. Despite prior disputes, these errors remain unresolved. Below is a detailed account of the violations and supporting facts. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at or been associated with this address. Its presence on my credit report is inaccurate and misleading. 
Law : FCRA XXXX ( b ) requires consumer reporting agencies to ensure maximum possible accuracy. 
Story : This incorrect address may have resulted from a mixed file or data entry error. Its presence has caused confusion during identity verifications and background checks, including when applying for housing and employment. I have no leases, utility bills, or any type of correspondence connected to this location. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : This address is not mine and was added without my knowledge or consent. 
Law : Under FCRA XXXX ( b ), credit bureaus must follow reasonable procedures to assure accuracy. 
Story : I believe this address was mistakenly associated with my credit profile, possibly due to identity theft or clerical error. I have faced multiple denials from lenders who questioned my address history because of this inaccurate entry. It is harmful and must be deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : I have never lived here, and its inclusion is fraudulent. 
Law : FCRA XXXX requires that obsolete or unrelated data be removed to maintain credit report integrity. 
Story : This address may have been connected through a data merging mistake. Its appearance on my credit report is misleading and exposes me to reputational and financial risks. I have submitted proof of my actual address history and this location is not part of it. Please delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : Duplicate of previous false address, reinforcing the inaccuracy. 
Law : FCRA XXXX ( b ) mandates accuracy, and duplicates of incorrect data make matters worse. 
Story : This repeated address error has made it appear as though I am hiding information or using multiple identities. I have suffered job screening issues due to conflicting records. I urgently request that this incorrect address be removed from all records. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : No connection to me, never lived there. 
Law : FCRA XXXX ( a ) grants me the right to dispute and demand reinvestigation. 
Story : This address was likely added due to data confusion or fraud. It may be linked to another individual 's file. I am worried that having this wrong address on my record could expose me to liability for someone else 's debts or actions. I demand this be removed to protect my legal identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : This is a completely foreign address to me. 
Law : FCRA XXXX ( b ) and XXXX demand prompt correction upon consumer dispute. 
Story : This misinformation has contributed to denial of credit and raised red flags during employment screening. I have experienced emotional and mental stress trying to explain that this is not my address. Please delete it permanently from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : No association with this address whatsoever. 
Law : FCRA XXXX requires consumer reporting agencies to ensure personal identity data is correct. 
Story : I was shocked to see this address linked to my profile. I have verified with XXXX and prior landlords that this property has never been associated with my name. It creates suspicion and undermines my credibility. I request it be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : False association to my name and record. 
Law : FCRA XXXX mandates that credit files only contain verified and consented data. 
Story : This location being reported is damaging my trustworthiness with creditors. Im being unfairly held accountable for the actions or history of another unknown party. I need this data removed for the sake of my personal and financial reputation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Incorrect and has nothing to do with me. 
Law : Under FCRA XXXX, data must only be furnished with permissible purpose, and this address does not meet that standard. 
Story : This error has interfered with major milestones in my life including applying for a mortgage. The presence of this unrecognized address makes it appear I am concealing facts which is untrue. Please remove it now. 
XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment Issue : Account shows late payment despite having no balance. 
Law : FCRA XXXX ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate data knowingly. 
Story : I paid this account on time and have maintained a XXXX balance. Despite this, a late payment is wrongly reported. I was not notified or given a chance to correct the mistake before it impacted my credit. This false reporting has lowered my score and prevented me from getting fair credit opportunities. I request immediate deletion or correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$23000.00} Charged Off Issue : Account charged off without full validation or resolution. 
Law : Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) and FCRA XXXX ( a ) allow me to dispute and request validation. 
Story : I was in communication with this creditor regarding a financial hardship, yet the account was suddenly charged off. I was not given notice or opportunity to resolve the account. The reporting is damaging and lacks proper documentation. I demand that the account be validated or removed from my report. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment Issue : Late payment recorded despite {$0.00} balance and full compliance. 
Law : FCRA XXXX ( b ) mandates accurate reinvestigation upon consumer dispute. 
Story : I paid this account as agreed, yet a late mark was added which is unfair and untrue. I never received notification or delinquency notice. This reporting has hurt my credit profile unjustly and I respectfully demand that it be deleted. 
SUMMARY OF VIOLATIONS FCRA XXXX ( b ) : Failure to ensure accuracy of address and identity information FCRA XXXX ( a ) : Failure to reinvestigate disputed items FCRA XXXX ( b ) : Failure by furnishers to investigate and correct wrong account data FDCPA XXXX ( b ) : Reporting debt without proper validation FCRA XXXX ( c ) & XXXX ( a ) ( 3 ) : Unauthorized inquiries without permissible purpose RESOLUTION REQUESTED I respectfully request that the CFPB investigate this matter fully and take enforcement action as needed. Specifically, I am asking for : 1. Immediate deletion of all wrong addresses listed above 2. Removal or correction of all inaccurate account reporting 3. Investigation and deletion of unauthorized inquiries 4. Penalties or corrective action against data furnishers and CRAs found noncompliant These errors have caused emotional distress, credit denials, job screening complications, and financial hardship. I am exercising my rights as a consumer and request your assistance in correcting these egregious violations.

Company response to consumer: Closed with non-monetary relief