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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurate and does not belong to me Story : I have never lived at this address and it is being incorrectly reported, which is misleading lenders and harming my creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA XXXX ( b ), XXXX Issue : Late payment reported incorrectly Story : I made on-time payments or was under a hardship plan at the time. This late payment is either inaccurately dated or never occurred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA XXXX, FDCPA XXXX ( XXXX ) Issue : Marked as charge-off after balance paid off Story : The account shows {$0.00} but is still being reported as charged off, which is misleading and violates fair reporting standards XXXXXXXX XXXX XXXX XXXX XXXX XXXX Law : FDCPA 809, FCRA 611 Issue : Charged off and collected twice under two names Story : This debt appears to be duplicated and listed under two entities once as charge-off, once as collection. This is unfair and deceptive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA XXXX, XXXX Issue : Collection reported in error Story : I vacated the property with proper notice and no balance was due. This account is in dispute and never should have entered collections XXXX XXXX XXXX XXXX XXXX XXXX Law : FDCPA XXXX, FCRA XXXX Issue : Duplicate charge-off from same original account Story : This is another instance of duplicate reporting from the same origin. It appears under different XXXX  entries and misleads creditors XXXX XX/XX/year> Law : FCRA XXXX ( a ) ( XXXX ) Issue : Unauthorized inquiry Story : I did not authorize this inquiry nor did I apply for credit at this time. This is a hard pull damaging my score without consent XXXX  XX/XX/year> Law : FCRA XXXX ( a ) ( XXXX ) Issue : Inquiry made without permissible purpose Story : I have no business with this entity and did not apply for anything requiring this inquiry. This is an unauthorized access XXXX  XXXX XXXX XX/XX/year> Law : FCRA XXXX Issue : Hard inquiry without consent Story : This inquiry is not authorized. I did not apply or interact with this company, and this was done without my knowledge XXXX XX/XX/year> Law : FCRA XXXX Issue : Unverified inquiry Story : I have no relationship or history with this entity. This appears on my report without my authorization and must be deleted 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