Consumer complaint received 2025-08-05 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 regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file by various data furnishers and credit reporting agencies ( Equifax, XXXX XXXX XXXX ). These inaccuracies have significantly affected my financial stability, creditworthiness, and overall well-being. I have attached supporting documentation and I respectfully request a thorough investigation and appropriate corrective action. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : I have never resided at this address. 
Law : Per FCRA 602 A, inaccurate personal identifiers can result in a mixed file. 
Story : I believe this address was incorrectly added due to identity confusion or file merging, and it is affecting my creditworthiness during employment and housing screenings. 
XXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address Issue : This address is not associated with me at any point. 
Law : Under FCRA 611, I have the right to dispute and have inaccurate information corrected or deleted.

Story : This address is completely unfamiliar to me and may have been reported in error due to someone with a similar name. Its causing serious complications in verifying my identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Never lived at this location. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I am a victim of misreporting, and this address may be linked to fraudulent activities or mistaken identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address Issue : Not my current or past residence. 
Law : FCRA 609 gives me the right to request proof of the reporting accuracy.

Story : I have submitted rental applications that have been rejected because of incorrect addresses like this on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address Issue : This address is erroneous and misleading. 
Law : Per FCRA 605B, the bureau must block any information resulting from identity theft or errors. 
Story : I have never been to this property, and including it damages my credibility in financial applications. 
XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : Unrelated address ; not mine. 
Law : FCRA mandates prompt correction of incorrect information within 30 days of dispute. 
Story : Ive been questioned during job background checks about this location that I have no connection to. 
XXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address Issue : Not associated with me. 
Law : Reporting unverifiable addresses violates my rights under FCRA 611. 
Story : I believe this was placed on my report due to a data mix-up or administrative error by a creditor or bureau. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Inaccurate and unverified. 
Law : Under FCRA 602 ( B ), I have the right to fair and accurate reporting.

Story : This address being present is disrupting my mortgage pre-approval process and causing unnecessary rejections. 
XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$62.00} Issue : This account is inaccurate and unverifiable. I do not owe this debt. 
Law : FCRA 609 ( a ) ( 1 ) grants me the right to request validation of any debt reported.

Story : I have received no communication regarding this debt, and it was never disclosed to me prior to its appearance on my report. 
XXXX XXXX XXXX  XXXX Collection Date Opened : XX/XX/XXXX Balance : {$830.00} Issue : No prior notice or validation of debt. 
Law : FDCPA 809 requires debt collectors to validate the debt upon request.

Story : This collection was a shock to me. Its possibly the result of a billing error that spiraled out of control without my knowledge. 
XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$230.00} Issue : No notice of debt and no validation provided. 
Law : Per FDCPA 809 ( b ), the collector must provide validation upon written request.

Story : I was unaware of this debt and have never received any documentation verifying its legitimacy.

Request for Relief : I respectfully request that the CFPB investigate these issues and direct the relevant credit reporting agencies and furnishers to : 1. Delete all incorrect addresses listed above from my credit profile 2. Remove or correct all inaccurate, unverifiable, and unauthorized accounts and collections 3. Delete all unauthorized hard inquiries that were made without my consent 4. Provide written confirmation of each correction 5. Ensure that all future reporting complies with the FCRA and FDCPA This matter is urgent and is severely impacting my financial recovery, mental health, and ability to secure housing, employment, and credit. I am simply asking for what the law guarantees me : a fair, accurate, and verifiable credit report.

Company response to consumer: Closed with non-monetary relief