Consumer complaint received 2025-07-04 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 complaint against Equifax for reporting multiple inaccurate items on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. These inaccurate entries are severely affecting my creditworthiness, emotional wellbeing, and financial opportunities. Despite my efforts to dispute these items, Equifax has failed to fulfill its legal obligations under federal law. I request the CFPB to investigate and ensure immediate correction or removal of these errors. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address is inaccurately reported on my Equifax credit report. I have never lived at or been associated with this address. Reporting such incorrect personal identifying information violates FCRA 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address is not mine and has never been associated with me. This gross inaccuracy is a clear violation of FCRA 1681c, which prohibits the inclusion of outdated or erroneous information. It causes confusion, denies me credit opportunities, and has resulted in multiple verification failures in credit and background checks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payment This account is inaccurately reported with late payments which are not accurate and not verified by the furnisher with any valid documentation. Reporting unverifiable or inaccurate late payment history without performing a reasonable investigation violates FCRA 1681i and 1681s-2 ( b ). This has caused me to be denied for credit and subjected to higher interest rates. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX XXXX payments on this account are not correct and have not been validated with any supporting documentation. The failure of Equifax to properly investigate this dispute after I notified them violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that reinvestigation must be reasonable and timely. The existence of inaccurate derogatory information severely hurts my ability to obtain housing and financing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account reflects a late payment despite a balance of {$0.00}, which is logically inconsistent. I have disputed this multiple times, yet Equifax continues to report it. This practice is misleading and unlawful under FCRA 1681e ( b ) due to their failure to ensure accuracy in the report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$810.00} Charge-off This charge-off is reported incorrectly. I was never given sufficient notice or verification of this debt. Reporting inaccurate charge-offs without verifying the accuracy and completeness violates FCRA 1681i and furnisher responsibility under 1681s-2. This account was never properly validated or supported by original account-level documentation. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off The account is showing a charge-off despite having a {$0.00} balance, which is contradictory and unjustified. Equifax has failed to conduct a proper reinvestigation in response to my prior disputes. FCRA 1681i ( a ) requires consumer reporting agencies to delete or correct any item found to be inaccurate or unverifiable within 30 days of receiving a dispute. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} Charge-off This account was closed several years ago, and any derogatory information should no longer be reported or has been reported inaccurately. I have made multiple attempts to correct this information but have not received any proper verification or update from Equifax, which is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) regarding the duty to report accurate information. 
I have suffered significant damages due to these inaccuracies including emotional distress, lost credit opportunities, and unjust denials. I am requesting a full investigation into Equifax 's reporting and reinvestigation procedures related to these items and request immediate deletion or correction of all listed inaccuracies in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief