Consumer complaint received 2025-08-06 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:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong address listed on my credit report. This inaccurate information misleads creditors and significantly harms my creditworthiness. 
Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the maximum possible accuracy of the information in credit reports. Reporting an incorrect address violates these standards and must be corrected immediately. 
Story : I have never resided or conducted any business at this address. Despite numerous attempts to update my information directly with the credit agencies, this erroneous address persists. This false information may result in missed opportunities for credit approvals and further misinterpretation of my financial stability. 

XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged off with a reported high balance of {$0.00}, opened on XX/XX/XXXX, which signifies a discrepancy since charge-off amounts must reflect actual balances. 
Law : Per FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to request validation and verification of this debt. The Fair Debt Collection Practices Act ( FDCPA ) further mandates that any charged-off debt must be accurately and fairly reported. Inaccurate reporting of a {$0.00} balance creates confusion and damages my credit profile. 
Story : This account shows as a charge off with a XXXX balance, which contradicts the nature of charge-offs. I have neither been notified properly nor given any chance to dispute. This inaccurate reporting influences potential creditors who view my credit history. 

XXXX XXXX XXXXXXXX XXXX XXXX Issue : Account charged off with a high balance of {$15000.00}, opened on XX/XX/XXXX. This balance is disputed as I had settled part of the dues, but the credit report does not reflect that. 
Law : Under FCRA Section 605B ( 15 U.S.C. 1681c ), accounts that have been partially paid or settled must be updated to reflect these changes accurately. Failure to do this results in misleading credit information, violating consumer rights. 
Story : After prolonged financial hardship, I negotiated a settlement with XXXX XXXX. Despite payment receipts and settlement agreements, this report fails to state it is a settled debt, adversely impacting my credit rebuilding efforts. 

XXXX XXXX XXXX XXXX XXXX Issue : Listed as a charge off with a high balance of {$48000.00}, opened on XX/XX/XXXX, with no supporting documents provided by the creditor. 
Law : Fair Credit Reporting Act requires furnishers to provide valid proof of debt when disputes arise ( 15 U.S.C. 1681s-2 ). Without validation, this debt must not be reflected as charge-off on my credit report. 
Story : My repeated requests to XXXX XXXX for detailed statements and proof of debt went unanswered. Reporting this large sum without validation is a violation of my due process and creates irreparable financial damage. 

XXXX XXXX XXXX XXXX XXXX Issue : Charge off listed with a high balance of {$3700.00}, opened recently on XX/XX/XXXX. This account was never authorized by me. 
Law : As per the Fair Credit Billing Act ( FCBA ), unauthorized debts should be investigated and removed promptly to prevent identity theft and credit fraud. Filing a dispute under FCRA Section 611 triggers mandatory investigation by the credit bureaus. 
Story : This charge off reflects fraudulent activity as I have never entered into any contract with XXXX XXXX  I. I reported identity theft to the authorities and filed a police report, yet this charge off remains, damaging my credit. 

XXXX XXXX XXXX XXXX XXXX Issue : Account in collection with a high balance of {$300.00}, opened on XX/XX/XXXX, with no prior notifications or billing statements received. 
Law : Under FDCPA, debt collectors must provide validation of debt upon request and can not report debts without proper notification. FCRA Section 611 mandates accurate and complete information reflecting the consumer 's situation. 
Story : I was unaware of this debt until it appeared on my credit report. I never received bills or payment reminders. Reporting this account without prior notice deepens the negative impact on my credit unnecessarily. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : Charged off account reported with a {$0.00} balance, opened on XX/XX/XXXX, which raises questions about the accuracy of the reported information. 
Law : The FTC enforces accurate debt reporting under FCRA ; charging off an account without reflecting the actual balance is misleading and violates Section 604 ( 15 U.S.C. 1681b ). 
Story : Despite multiple communications with XXXX XXXX XXXX XXXX regarding my account, the credit report shows conflicting information about the outstanding balance, causing confusion for lenders reviewing my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX Issue : Account in collection listed twice with a high balance of {$300.00}, opened on XX/XX/XXXX, which indicates duplication and possible reporting error. 
Law : Duplicate listings of the same debt violate FCRA provisions that ensure XXXX accurate entry per account. Duplication artificially lowers credit scores and is considered unfair reporting. 
Story : This duplicate entry of XXXX XXXX XXXX XXXX  account inflates my debt improperly and misrepresents my financial position, damaging my chances for credit rehabilitation. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

Company response to consumer: Closed with non-monetary relief