Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) Issue : Wrong address reporting Story : I have never lived at or been connected to this address. It appears to be an address belonging to another individual, yet it is showing in my file which misrepresents my identity and could cause lenders to believe I live in areas I never resided. This creates confusion with creditors and increases the risk of identity theft and mistaken association with accounts I never opened.

Instruction : Delete this inaccurate address immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) Issue : Incorrect address Story : I have never lived here, yet it remains listed. This creates an inaccurate identity trail and exposes me to risks of mistaken collection efforts, mail fraud, or account association from others who use that location. This undermines my ability to secure credit fairly.

Instruction : Delete this address immediately ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) Issue : Contradictory reporting XXXX balance but chargeoff Story : A chargeoff with a XXXX balance is contradictory and damaging. I never received proof that this is a valid account, nor any signed contract linking me to it. Reporting a XXXX balance while still keeping a negative chargeoff notation unfairly lowers my score, misrepresents my payment history, and makes me appear financially irresponsible when there is no debt owed. This damages my ability to secure housing, auto loans, and employment.

Instruction : Delete this account if it can not be validated with original signed documentation XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Chargeoff * * Law : FCRA 611, 609 ( a ) ( 1 ) Issue : Reported without full verification Story : I have never been provided a copy of any signed contract proving this account belongs to me. Reporting it as a chargeoff creates serious financial harm, prevents me from accessing fair credit opportunities, and misleads potential lenders into believing I defaulted when this may not even be my debt. I have asked for verification before, yet none has been provided. Continuing to report without proof is negligent and unlawful.

Instruction : Provide full verification including signed contract or delete this account INQUIRIES XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : I never applied for any product or loan through XXXX, nor gave written authorization for them to review my credit. This unauthorized pull lowers my score, gives third parties access to my private data without cause, and puts me at risk of identity theft. 
Instruction : Delete this inquiry immediately XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : I did not authorize XXXX XXXX XXXX XXXX to check my credit on this date. This hurts my score and falsely signals to lenders that I am seeking multiple auto loans, which makes me look like a credit risk.

Instruction : Remove this inquiry GLOBALLEND XX/XX/XXXX Law : FCRA XXXX ( a ) Issue : Unauthorized Story : I never applied with XXXX. This inquiry misrepresents my credit behavior. 
Instruction : Delete immediately XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Inquiry without my consent Story : I did not authorize XXXX to access my report. This caused harm to my score.

Instruction : Remove this inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : I never gave XXXX permission to access my file. This misrepresents my credit history.

Instruction : Delete immediately XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Inquiry without permissible purpose Story : I have no relationship with XXXX and never authorized this access. 
Instruction : Remove inquiry I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief