Consumer complaint received 2025-08-23 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 filing this complaint because my credit report contains inaccurate and harmful information that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These errors are causing me serious financial, emotional, and reputational damage. I have attempted to dispute these issues, but the furnishers and credit reporting agencies have failed to conduct proper investigations or provide accurate verification.

The FCRA requires credit reporting agencies to assure maximum possible accuracy ( Section 607 ( b ) ) and obligates furnishers to report only verified and correct information ( Section 623 ). When these duties are ignored, consumers like me are left with incorrect records that destroy opportunities for credit, housing, and stability. Below, I am outlining the specific issues on my file. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : These addresses do not belong to me, and I have never lived at or been associated with these residences. Having these addresses on my file creates confusion, makes it appear as though I have multiple identities or past residences that are untrue, and can potentially link me to fraudulent or unrelated accounts.

Law : Under FCRA Section 607 ( b ), the credit reporting agency is required to maintain only accurate information. Reporting addresses that do not belong to me is a violation of this duty and puts me at risk of identity confusion or fraud. 
Story : Because of these wrong addresses, I have faced repeated denials when applying for credit and have even been questioned about fraud. This is deeply humiliating and unfair. Creditors often assume I have been hiding information or misrepresenting my residence history. This has not only harmed my reputation but also caused stress and emotional hardship. These false addresses make it difficult for me to rebuild my credit and live a financially stable life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ) Reported as Charge-off * * Issue : This account is being reported as a charge-off, but the reporting is inaccurate and misleading. I dispute this negative reporting because the account has not been properly verified. I have not received any documentation proving the validity of the debt or the accuracy of the charge-off status. A charge-off is a severe negative mark, and reporting it without full verification unfairly damages my credit standing. 
Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information must not report information it knows or has reasonable cause to believe is inaccurate. Additionally, under FCRA Section 611, once disputed, the furnisher and bureau must conduct a reasonable investigation. Reporting a charge-off without proper verification is a direct violation of these laws. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal to misrepresent the character, amount, or legal status of any debt.

Story : This charge-off has created major obstacles in my financial life. I have been denied auto loans, credit cards, and even housing opportunities because lenders see this as a sign of financial irresponsibility. The reality is that this account has not been verified, yet it continues to destroy my chances of moving forward. I feel trapped by an inaccurate system that punishes me without giving me a fair chance to prove the truth. This misreporting has not only harmed my financial growth but also caused me sleepless nights and XXXX. 
Conclusion The wrong addresses and the falsely reported XXXX XXXX XXXX charge-off are clear violations of my rights under the FCRA and FDCPA. These errors are damaging my credit reputation, my ability to access financial products, and my peace of mind. I respectfully request the CFPB to take immediate action and require : XXXX. Permanent removal of all inaccurate addresses from my credit file. 
XXXX. A full investigation of the XXXX  XXXX XXXX account, with deletion of the charge-off if proper proof can not be provided. 
I am only asking for what the law guarantees : accuracy and fairness in credit reporting. I trust that the CFPB will protect my rights as a consumer and hold the responsible parties accountable for these violations. 
Thank you for your time and assistance in this urgent matter.

Company response to consumer: Closed with non-monetary relief