Consumer complaint received 2025-07-28 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:
Dear CFPB XXXX, I am filing this formal complaint against the credit reporting agencies and the data furnishers for reporting inaccurate, unverified, and harmful information on my credit report. These violations are causing me financial distress, credit denials, and reputational damage. Despite previously disputing these items with the credit bureaus, they remain unresolved. I have not yet submitted to the FTC, but this is now my second official attempt to correct the errors. Below is a breakdown of the accounts and issues I am disputing : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Reporting Law Violated : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Detailed Explanation : This address has no connection to me. I have never lived at, used, or been associated with this address in any way. Reporting an address that is not mine creates a distorted credit profile and can lead to serious identity confusion and misrepresentation. This has already caused me harm by affecting my creditworthiness and leading to multiple denials. According to the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum possible accuracy. Reporting a completely unrelated address violates that legal obligation. This address must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$19000.00} Issue : Late Payments Reporting Law Violated : FCRA 1681i, 1681s-2 ( b ) ; FDCPA 809 ( b ) Detailed Explanation : This account is showing multiple late payments which I strongly dispute. I have not received any certified billing records or statements proving the exact dates and details of these late payments. Reporting late payments without sufficient documentation is a violation of both the FCRA and FDCPA. These derogatory entries have significantly damaged my credit score, and Ive faced rejections for mortgage and auto financing as a result. Under federal law, you must either verify these entries with full documentation or delete them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Issue : Inaccurate and Unverifiable Collection Account Law Violated : FDCPA 809 ( 15 USC 1692g ), FCRA 1681s-2 ( b ) Detailed Explanation : This account is reported with a future open date ( XX/XX/XXXX ), which is a blatant error and proof that the information is unreliable and unverifiable. I have never received any collection notice or debt validation from this agency. They have failed to provide any proof that this debt is mine, which is a direct violation of the FDCPA. Any account that can not be verified through proper documentation, including signed agreements and a breakdown of charges, must be removed from my credit file immediately. Continuing to report this unverifiable account is illegal. 
Requested Resolution : I am requesting that the CFPB investigate these violations and ensure that the credit reporting agencies and data furnishers comply with all applicable federal laws. I am also requesting the permanent deletion of the inaccurate address, the unverifiable late payments, and all collection/charge-off accounts listed above that have not been properly validated. These accounts are damaging my financial standing and have caused denial of credit, housing, and employment opportunities. 
Please hold the credit bureaus and data furnishers accountable for these violations and ensure my credit file is corrected in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief