Consumer complaint received 2025-07-29 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 under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to a wide range of inaccurate, unverifiable, and outdated information being reported by credit bureaus and furnishers on my credit file. These include wrong addresses, fraudulent or duplicate accounts, and unauthorized hard inquiries. Despite my previous dispute efforts, these inaccuracies remain unresolved, continuing to cause me severe financial and emotional harm. I am requesting CFPB to intervene and ensure immediate deletion of the items listed below. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : This is not and has never been my residence. 
Law : FCRA 1681e ( b ) failure to ensure maximum possible accuracy.

Story : This address falsely connects me to an area Ive never resided in. It has no relation to my identity or credit activities and could be the result of a merged file or incorrect data entry. This has caused rejections on applications due to suspicion of identity inconsistency. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : False address reporting. 
Law : FCRA 1681i right to dispute inaccurate information.

Story : This address is damaging my credit profile and misleading creditors. It is possibly linked to fraudulent use of my identity, which Ive reported but has not been resolved. Ive never lived there and want it permanently removed. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Incorrect historical address. 
Law : FCRA 602 ( a ) right to accurate and fair credit reporting.

Story : This address seems to be added to my file without any validation or authorization. I never gave consent, nor does it match my records. This false information continues to harm my trustworthiness with lenders. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Inaccurate and unauthorized address listing. 
Law : FCRA 1681c obsolete and inaccurate information must not be reported.

Story : The continued appearance of this address raises flags in background checks and implies residency or associations that are entirely false. It negatively affects both my personal and professional engagements. 
XXXX XXXX XXXX XXXXXXXX Issue : Unverified collection account for {$470.00}. 
Law : FDCPA 809 ( a ), FCRA 611 validation and dispute rights.

Story : I was never notified about this debt, never received validation, and have no contract or billing from this collector. Reporting a collection without notice is illegal and has hurt my credit score, leading to auto loan denials and higher interest rates. 
XXXXXXXX XXXX XXXX XXXX Issue : Duplicate collection account. 
Law : FCRA 604 ( b ) can not report same debt twice.

Story : This is a duplicate of the above account, doubling the negative impact. This double reporting results in unnecessary denial of credit and affects my ability to qualify for essential services and housing. 
XXXX XXXX XXXX : Duplicate and inaccurate charge-off. 
Law : FCRA 623 ( a ) ( 1 ) furnishing false data is illegal.

Story : Another duplicate of the same XXXX XXXX account. Two negative listings for one obligation distort my financial record and is unjust. Lenders assume I defaulted twice when I didnt. 
XXXX XXXX XXXX XXXXXXXX Issue : Unverified {$2600.00} collection. 
Law : FDCPA 809 must validate upon request.

Story : I do not owe this debt and was never contacted about it. XXXX XXXX has a history of inaccurate debt purchases and reporting. This false entry blocks me from rebuilding my credit. 
XXXX XXXX XXXX XXXX Issue : Duplicate unvalidated debt {$1100.00}. 
Law : FCRA 611, FDCPA 809 ( b ).

Story : This is yet another XXXX account that was never validated. No original contract, no bill, nothing. I dispute this as I believe its not mine, and theyve failed to meet legal verification requirements. 
XXXX XXXX XXXX XXXXXXXX Issue : Charge-off without proper notice. 
Law : FCRA 623 ( b ), FDCPA 807 ( 8 ).

Story : I was never informed that this account would be charged off. I was trying to settle this, but they reported it without warning. This reflects badly and unfairly on my report. 
XXXX XXXX XXXX XXXXXXXX Issue : Duplicate charge-off listing. 
Law : FCRA 602 unfair credit practices.

Story : This is a duplicate of the above and gives the false impression that I had multiple delinquencies. This lowers my score unfairly and affects my insurance and employment opportunities. 
XXXX XXXX XXXX XXXX Issue : Incorrect charge-off status. 
Law : FCRA 1681s-2 duties of furnishers.

Story : This loan was resolved but is still shown as charge-off. The misleading status has led to a personal loan denial recently, despite my efforts to manage and settle my accounts. 
XXXX XXXX XXXXXXXX Issue : Late payment reported on closed {$0.00} account. 
Law : FCRA 605 ( b ) outdated data reporting.

Story : Its unethical to report a late payment after the account is paid off and closed. This unjust report has knocked my score down over XXXX points and hurt my credit card applications. 
XXXX XXXX XXXX XXXX Issue : No notice or validation of {$1100.00} collection. 
Law : FDCPA 809 ( a ) required debt notice.

Story : This collection appeared without prior communication. No dunning letter, no explanation. It feels predatory, and I believe it was reported without proper due diligence. 
XXXX XXXX XXXX XXXX Issue : Unrecognized debt {$260.00}. 
Law : FDCPA 809, FCRA 611.

Story : I do not know what this is. I never received a bill or any notice. This item is not verifiable and appears to be a misattributed debt from an unknown third party. Remove it immediately. 
XXXX XXXX XXXX XXXX Issue : {$400.00} collection with no validation. 
Law : FDCPA 809, FCRA 604 ( a ) ( 3 ).

Story : Ive reached out for details and got no response. I was never served or notified. This rogue collection has damaged my profile unfairly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : Unvalidated {$740.00} collection. 
Law : FDCPA 809, FCRA 602.

Story : I dont recognize this creditor. Theyve reported a collection I was never contacted about. No contract, no communication. This is harming me unjustly. 
XXXX XXXX XXXXXX/XX/year> Issue : No consent given for this inquiry. 
Law : FCRA 604 ( a ) ( 2 ).

Story : This hard inquiry is suspicious and unauthorized. I never applied for anything around this date. It's damaging my file with no benefit or valid reason. 
Each of these entries represents a serious violation of my rights as a consumer under federal law. I am demanding immediate reinvestigation and permanent deletion of all inaccurate, unverifiable, or unauthorized information. These errors have already caused me credit denials, housing application rejections, and job screening issues. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold the furnishers and credit bureaus accountable for violating the law. I am requesting full deletion of all incorrect addresses, all accounts lacking validation, duplicate entries, and unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief