Consumer complaint received 2025-07-24 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 Officer, I am filing this formal complaint because multiple inaccurate and misleading items are being reported on my credit file by various furnishers and credit reporting agencies. These entries include incorrect addresses, unjustified late payments, unauthorized inquiries, and a collection account that has not been validated. These errors are violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and they are seriously damaging my creditworthiness. 
I have attempted to resolve these issues directly with the credit bureaus, and this is now my second dispute attempt. Despite my efforts, the false information remains. I am requesting the CFPB to intervene and hold these furnishers accountable for their violations. Below are the detailed items in dispute : XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : This address is inaccurate and I have never resided at this location. 
Law : Under FCRA 1681e ( b ), the credit bureau must maintain " maximum possible accuracy. '' Story : Including this wrong address on my credit report has caused repeated verification failures when applying for loans and rental housing. It raises red flags during background checks and implies identity confusion or file mixing, which can associate me with accounts I never opened. This is not only stressful but also poses a security threat. I demand this be permanently removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect address listed without my authorization. 
Law : Under FCRA 1681e ( b ), credit reports must ensure address accuracy. 
Story : This address is not mine, and I believe it may have appeared due to someone else 's actions or automated data merging. This misinformation creates confusion with creditors and has led to false assumptions about my stability and location history. It must be erased from my report. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Reporting late payment despite account having a {$0.00} balance. 
Law : This violates FCRA 1681s-2 ( a ), which requires accurate account status reporting. 
Story : Reporting a late payment on an account with a XXXX balance is irresponsible and misleading. This misrepresentation affects my credit rating unfairly, especially when I fulfilled all payment responsibilities. It is disheartening to be punished after responsibly closing an account. I request full removal of the derogatory mark. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Marked late even after the account was settled. 
Law : Violates FCRA 611, which entitles consumers to dispute and correct wrong information. 
Story : I was never notified about any delinquency, and the reporting was done without sufficient evidence or warning. I responsibly managed this account, and a false late payment report has unjustly lowered my credit score. I demand reinvestigation and permanent deletion of this inaccurate record. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$38.00} * * Issue : Reported late payment on a small balance account. 
Law : Under FCRA 602 ( b ), consumer reporting should be fair and reasonable. 
Story : Reporting a late payment for a {$38.00} balance is excessive and punitive. I was never given proper reminders, and such small amounts should be resolved with notice, not punishment. This has negatively impacted my credit profile and should be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$140.00} * * Issue : Wrongfully marked late payment. 
Law : Per FCRA 1681s-2 ( b ), furnishers must investigate disputed data. 
Story : I never received a due notice before being marked late. I always paid on time or within grace periods. This appears to be an automated or clerical error, yet it has real consequences on my credit. I request verification documents or complete removal. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Late payment reporting without notification. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must provide accurate information. 
Story : This lender failed to inform me of any delinquency, nor did they make any contact attempt. I was unaware of any issue until the damage was done. Their lack of communication caused avoidable harm. Please remove this derogatory mark from my report. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Issue : Account in collections without validation. 
Law : Under FDCPA 809 ( a ) and FCRA 623 ( a ) ( 3 ), debt collectors must notify consumers and validate debt before reporting. 
Story : I never received any letter or notice regarding this debt before it was reported. No chance was given to validate or dispute it. Reporting it directly to the bureau is unlawful and unethical. This needs to be removed immediately until full validation is provided. 
XXXX XX/XX/XXXX Issue : Suspected bundled or repeat inquiry. 
Law : Violates FCRA 604 ( a ) ( 3 ) unless I consented. 
Story : I never authorized XXXX to pull my credit on this date. This repetition of unauthorized activity shows neglect in protecting consumer data. Please remove this immediately. 
Relief Requested : Immediate deletion of all incorrect addresses Correction or removal of all false late payments Full validation or deletion of the collection account Removal of all unauthorized inquiries A complete reinvestigation by all involved furnishers Documentation of all investigations and actions taken I am submitting this complaint because these violations are harming my credit, financial opportunities, and personal reputation. I request the CFPB to hold the reporting agencies and furnishers accountable and ensure these matters are fully resolved. 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief