Consumer complaint received 2025-09-22 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 complaint to the CFPB to address numerous inaccuracies and unauthorized entries on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The credit reporting agencies and furnishers have failed to maintain accurate information, have ignored prior disputes, and continue to harm my credit standing. I request that the CFPB ensure all errors are fully reinvestigated, corrected, or deleted, and that all responsible parties comply with their legal obligations. 

Addresses XXXX XXXX XXXX XXXX XXXX, MI XXXX This address has never been associated with me, and its reporting violates FCRA XXXX ( a ) ( XXXX ) which requires a reasonable reinvestigation of disputed information. The credit bureau has a duty under FCRA XXXX ( b ) to maintain accurate files. Misreporting this address can result in credit harm and misidentification. I have documentation proving my actual residence history. Reporting incorrect addresses misleads creditors and third parties. Continued reporting without verification is a violation of my rights. I demand removal to prevent further harm. This also constitutes willful reporting of inaccurate information under FCRA XXXX. I request written confirmation of deletion. Immediate action is required. 

XXXX XXXX  XXXX XXXX, MI XXXX This address is also incorrect and has no association with me. FCRA XXXX ( b ) requires maximum possible accuracy in reporting. I have never resided at this location. Reporting this address causes a risk of identity confusion and credit denials. Under FCRA XXXX ( a ) ( XXXX ), a reasonable reinvestigation must be conducted. Misreporting addresses violates my consumer rights and affects my credit reputation. The continued presence of this in my file is materially misleading. I demand deletion and verification of accuracy. Failure to correct is a violation of FCRA. Documentation is available to prove my claim. 

Accounts XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Late Payment * * The reported late payments are inaccurate and unverifiable. FCRA XXXX ( a ) mandates reinvestigation of disputed information. I never received proper billing notices under FDCPA XXXX. The account history reported is inconsistent with my payment records. Misreporting causes a direct negative impact on my credit score. I request deletion or correction. Verification documentation provided by the creditor is insufficient. Continued reporting of incorrect delinquencies is a willful violation under FCRA XXXX. This reporting has caused tangible financial harm. I demand immediate correction. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Late Payment * * The accounts late payments are misreported. FCRA XXXX ( a ) ( XXXX ) requires the bureau to investigate disputed items. The creditor has failed to provide proper proof. Reporting unverifiable late payments is a violation under FCRA XXXX ( b ). I dispute each reported delinquency. This account negatively impacts my credit score and borrowing ability. I have records showing timely payments. The continued presence of inaccurate information is a violation of consumer protection laws. I demand deletion. Verification must be supplied if retained. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX * * This chargeoff is inaccurate and unverified. Under FCRA XXXX ( a ) ( XXXX ), unverifiable information must be removed. I never received required notice under FDCPA XXXX. Misreporting chargeoffs misleads potential creditors. The account balance is disputed. Documentation from XXXX XXXX is insufficient. Reporting unverified chargeoffs constitutes a willful violation under FCRA XXXX. I demand removal. Immediate correction is required. The reporting continues to harm my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX * * The reported chargeoff is inaccurate. FCRA XXXX requires investigation of disputed information. XXXX has not provided verifiable documentation. Misreporting this account is a violation of FCRA XXXX ( b ). The chargeoff negatively affects my financial standing. Reporting this without verification constitutes willful violation under FCRA XXXX. I dispute the balance and status. I demand removal. Continued reporting is misleading and damaging. Documentation to support deletion is available. 

XXXX XXXX ( Original Creditor : MICHIGAN XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection * * This collection account is invalid. I have no record of the debt. FCRA XXXX ( a ) ( XXXX ) mandates deletion if unverifiable. FDCPA XXXX prohibits false reporting. Reporting this account impacts my credit negatively. I demand removal. The creditor has failed to provide proof. Continued reporting without verification is a willful violation under FCRA XXXX. Misreporting harms my financial reputation. Immediate correction is required. Documentation available proves inaccuracy. 

DISCOVERCARD XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX * * The chargeoff is inaccurate. I never received verification under FDCPA XXXX. FCRA XXXX ( a ) ( XXXX ) requires deletion if unverified. Misreporting damages my credit score. The reported account history is inconsistent with my records. Continued reporting is a violation under FCRA XXXX. I demand removal. Documentation proving my timely payments is available. The account balance is disputed. XXXX must be supplied if retained. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Chargeoff * * This account is misreported. FCRA XXXX ( a ) requires reinvestigation. XXXX has failed to provide evidence. Reporting unverified chargeoffs is a violation under FCRA XXXX ( b ). The reported balance is inaccurate. Misreporting harms my creditworthiness. I demand removal. Continued reporting is willful violation under FCRA XXXX. I have supporting documentation. XXXX deletion is required. The account is disputed in full. 

STATE OF MI XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1200.00} Chargeoff * * This chargeoff is inaccurate and unverifiable. FCRA XXXX ( a ) ( XXXX ) mandates reinvestigation. I never received notice under FDCPA XXXX. Reporting violates FCRA XXXX ( b ). The account negatively impacts my credit. Documentation provided is insufficient. Misreporting is a willful violation under FCRA XXXX. I demand removal. Immediate correction is required. The account continues to harm my financial reputation. Verification must be supplied if retained. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX * * The account is inaccurate. FCRA XXXX requires reinvestigation of disputed accounts. The creditor has not verified the debt. Misreporting violates FCRA XXXX ( b ). Reporting unverifiable chargeoffs is willful violation under FCRA XXXX. I dispute the balance and status. This account impacts my credit score. I demand deletion. Supporting documentation is available. Immediate action is required. Verification must be provided if retained. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX * * This account is inaccurately reported as chargeoff. FCRA XXXX ( a ) requires reinvestigation. Reporting an unverifiable XXXX balance chargeoff violates FCRA XXXX ( b ). Misreporting harms my credit. The account is disputed. Continued reporting constitutes willful violation under FCRA XXXX. I demand removal. Documentation supports my claim. Immediate correction is required. XXXX must be supplied if retained. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Chargeoff * * The account is misreported. FCRA XXXX ( a ) mandates reinvestigation. XXXX has failed to provide evidence. Misreporting violates FCRA XXXX ( b ). The balance is disputed. Reporting unverifiable information is willful violation under FCRA XXXX. I demand removal. The account negatively impacts my credit. Documentation proving inaccuracy is available. Immediate deletion is required. Verification must be supplied if retained. 

CAPITAL XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX * * This account is inaccurately reported. FCRA XXXX ( a ) mandates reinvestigation. Misreporting violates FCRA XXXX ( b ). Reporting unverified chargeoffs harms my credit. I dispute the balance and delinquency status. Continued reporting constitutes willful violation under FCRA XXXX. I demand removal. Documentation proving inaccuracy is available. Immediate correction is required. Verification must be supplied if retained.

Inquiry XXXX XXXX XX/XX/XXXX This hard inquiry was not authorized. Under FCRA XXXX, consumer consent is required. Unauthorized inquiries negatively impact my credit score. I demand deletion. Continued reporting violates FCRA XXXX. Documentation proves lack of authorization. I request confirmation of removal. The inquiry is misleading and causes financial harm. Immediate correction is required. I dispute this inquiry fully. Verification must be supplied if retained. 

I request that the CFPB monitor the resolution of these disputes and ensure that all credit reporting agencies and furnishers comply with the FCRA. I expect written confirmation of all corrections, deletions, and removals of unauthorized inquiries. Full compliance with consumer reporting laws is necessary to prevent ongoing harm to my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief