Consumer complaint received 2025-12-09 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 filing this complaint because my consumer report contains several inaccurate and unverified items that are harming my credit, creating financial hardship, and do not meet federal accuracy requirements. I am requesting a full reinvestigation so that only verified and correct information remains on my file. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at or used this address. This inaccurate reporting violates the obligation to maintain properly verified identity information. This address must be deleted. 

ADDRESS XXXX XXXX XXXX XXXXXXXX, MI XXXX I have no connection to this location. Reporting false addresses violates federal accuracy standards and must be corrected. Remove this address. 

ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX XXXX, WA XXXX I have never been associated with this address in any way. This is an identity mismatch and can not remain. It must be deleted. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I do not know or recognize this address. It is inaccurate and unverified, and it must be removed because the law requires accurate identity information. 

ADDRESS XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me. The appearance of an unverified location is a failure of proper identity matching. It must be deleted. 

ADDRESS XXXX XXXX XXXX XXXX, MI XXXX I have never lived at this address. Incorrect identity information can not remain under federal law. Remove this address immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This is not my address and I have never used it. It is inaccurate and must be deleted. 

ADDRESS XXXX XXXX XXXX XXXX, MI XXXX I have no association with this address. Its presence violates the requirement that only truthful, verified data XXXX be included. This must be removed. 

XXXX XXXX Chargeoff Date Opened : XX/XX/year> Balance : {$0.00} I have no knowledge of this account and have never opened anything with XXXX. Without authenticated documentation proving this account belongs to me, it is unverified and must be deleted. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance : {$4900.00} I do not recognize this account. I have never opened any XXXX XXXX under this number. Because it can not be legally verified through proper documentation, this account must be removed. 

XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/year> Balance : {$1100.00} I have no knowledge of this Buckle account and have never authorized it. Without lawful proof, this item is inaccurate and must be deleted. 

XXXX XXXX Chargeoff Date Opened : XX/XX/year> Balance : {$3300.00} I do not recognize this Zales account and have never opened or used it. No legitimate documentation exists linking this debt to me. This account must be removed. 

XXXX XXXX Chargeoff Date Opened : XX/XX/year> Balance : {$1300.00} I am not associated with this account. I have no knowledge of opening this item. Since it can not be validated with original records, it must be deleted. 

XXXXXXXX XXXX XXXXXXXX XXXX Chargeoff Date Opened : XX/XX/year> Balance : {$790.00} I have never opened this Target account. This is inaccurate information, and without verified proof, it can not remain. This account must be deleted. 

I request a full and lawful reinvestigation of each item and correction or deletion of all inaccurate information so my file reflects only verified and accurate data.

Company response to consumer: Closed with explanation