Consumer complaint received 2025-07-15 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:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA Section 611 [ 15 U.S.C. 1681i ] Requires removal of inaccurate or unverifiable data.

Issue : This address does not belong to me and is being falsely reported on my credit file. 
Story : Ive never lived here. This address is incorrect and must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Credit bureaus must ensure maximum accuracy. 
Issue : The address is inaccurate and is not linked to my identity or credit activity. 
Story : I have no connection to this address. Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 609 ( a ), 610 ( b ) Issue : Address is completely unfamiliar and unverifiable Story : I am concerned that this may be a case of identity confusion or file merger and must be corrected immediately XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA Section 605 ( a ) ( 5 ) Issue : Account shows late payments but balance is {$0.00} and account is too old Story : This tradeline is obsolete and reporting late payments on a {$0.00} balance misleads lenders and violates credit aging rules XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided, and thus the derogatory status must be removed XXXX  XX/XX/XXXX Law : FCRA Section 604 ( a ), 609 ( a ) Issue : Hard inquiry appears without permissible purpose Story : I did not initiate or authorize any transaction or application with this agency and this inquiry should be deleted XXXX  XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 611 ( a ) Issue : Inquiry was not initiated or approved by me Story : This inquiry is fraudulent or in error, negatively affecting my creditworthiness and must be removed I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief