Consumer complaint received 2025-07-29 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:
Dear CFPB Representative, I am writing to file a formal complaint against the credit reporting agencies and data furnishers for knowingly and repeatedly reporting inaccurate addresses and allowing unauthorized credit inquiries on my credit file. These acts are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused me serious financial harm, emotional distress, and have jeopardized my ability to secure housing, credit, and employment. 
Below I have listed each disputed item along with detailed explanation, impact, and corresponding law violated : XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS I have never lived at this address, have no relationship to this location, and it has no connection to my identity or financial history. Its presence on my credit report is an example of mixed file or third-party data contamination. Under FCRA 607 ( b ), the credit bureau is responsible for maintaining the accuracy of consumer information, and reporting an address I have no affiliation with is a gross violation of that obligation. This address may be contributing to the merging of accounts or triggering collection notices incorrectly tied to my name. I have previously submitted proof of my correct residence and ID. I demand immediate deletion of this address from my report. Continued reporting violates FCRA 616 and 617, which hold furnishers and CRAs liable for negligent and willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS This address has never been associated with me, and its listing on my credit file is both damaging and erroneous. I suspect this may be due to a file merge error or identity confusion. According to FCRA 605 ( b ), any information that can not be verified must be deleted. The continued appearance of this address despite prior disputes shows a failure of proper reinvestigation in violation of FCRA 611. This has caused confusion with lenders, incorrect mail delivery, and has created hurdles in housing applications and employment screenings. I demand this address be deleted and all records referencing it be purged. 
XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS I have no history or relationship with this address. Its inclusion in my credit file is damaging, and I have never lived, worked, or conducted business here. Under FCRA 604 ( a ) ( 1 ) and 607 ( a ), all information reported must be with the consumers knowledge and for a valid reason. Including this address is misleading and may have linked my profile to accounts I am not responsible for. I have suffered emotional stress and reputational damage due to false assumptions made by financial institutions reviewing this report. I request deletion and a written explanation on how this address was verified. 
XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS This address is completely unknown to me. Its inclusion appears to be either a result of identity theft, third-party error, or system merging, none of which I am responsible for. The FCRA requires maximum possible accuracy per 607 ( b ), and the ongoing reporting of an address I have never been affiliated with is a breach of this obligation. This misinformation has delayed approvals, caused unjust denials, and has negatively impacted my credit profile. I demand this address be removed immediately and that documentation of the address verification be provided under FCRA 609 ( a ) ( 1 ).

REQUEST FOR CFPB ACTION The ongoing reporting of wrong addresses and unauthorized inquiries clearly violates multiple sections of the FCRA including 604, 607, 609, 611, 616, and 617. Despite numerous disputes and documented identity proofs, the credit reporting agencies and data furnishers have failed to take corrective action. This reflects willful negligence and systemic noncompliance. These errors are not only harming my financial standing but are also causing extreme emotional distress, financial exclusion, and reputational harm. 
I am requesting the CFPB to : XXXX. Investigate all listed inaccuracies XXXX. Enforce immediate deletion of wrong addresses and inquiries XXXX. Require the furnishers and CRAs to provide documented verification for each item XXXX. Hold the parties accountable under applicable law for negligent or willful noncompliance XXXX. Monitor for further unauthorized access and mixed file activity

Company response to consumer: Closed with explanation