Consumer complaint received 2025-08-09 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 credit report contains multiple inaccuracies, unverifiable accounts, and unauthorized credit inquiries, all of which violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and other applicable consumer protection laws. These errors are harming my credit score, creating the false appearance of negative credit history, and exposing me to potential identity theft. I am demanding immediate investigation and permanent removal of each inaccurate item listed below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Issue : This address is incorrect and does not belong to me, nor have I ever lived or received mail there Law : FCRA 605B and 611 ( a ) ( 1 ) ( A ) prohibit credit bureaus from reporting inaccurate address history and require deletion when disputed Story : I have verified all past residences with my ID, tax returns, and utility bills, and this address does not match any record of mine, and keeping it on file creates an impression of multiple identities or possible fraud which can lead to credit denials and compliance violations by the XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Unknown XXXX XXXX XXXX linked to my file without authorization Law : FCRA 603 ( p ) and FACTA Identity Theft Rules require consumer file security and prohibition of mixed or commingled files Story : I have never personally maintained nor applied for credit using this XXXX XXXX XXXX, and its appearance creates the false narrative that I used undisclosed mailing addresses which may be connected to identity theft or creditor reporting errors XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : Inaccurate residential address, not tied to my legal residence records Law : FCRA 611 and CFPB Regulation V require XXXX to ensure consumer file reflects accurate current and historical addresses Story : This address being listed causes database mismatches when lenders do address verification, causing unnecessary credit rejections and suspicion about my identity XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Erroneous and unverifiable address Law : FCRA XXXX ( b ) imposes duty to follow reasonable procedures to assure maximum accuracy Story : This location is unfamiliar and its inclusion violates my right to a clean and accurate credit history, raising risks of mixed file errors XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : Wrong address linked without valid source verification Law : FCRA 1681c-2 grants right to block information resulting from identity theft Story : This is not my residence nor a location I have associated with any financial account ; it must be removed immediately to prevent further profile contamination XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Completely unrelated out-of-state address Law : FCRA 607 ( e ) regarding disposal and prevention of dissemination of consumer information to wrong parties Story : Having an Indiana address when I have never XXXX in XXXX  is a clear sign of file mixing and possible data breach, potentially violating multiple compliance standards XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX High Credit : {$10000.00} Issue : Charge-off is unverified and contains incorrect details regarding opening date and balance Law : FCRA 611 and FDCPA 807 prohibit false credit reporting Story : This high-dollar account substantially harms my creditworthiness, and without verifiable proof including complete payment history and original signed agreement, it is illegally being furnished to XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Dealer submitted without my signature Law : FCRA XXXX ( f ) requires legitimate permissible purpose XXXX  XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No consent obtained XXXX  XXXX XXXXXX/XX/XXXX Inquiry Not initiated by me I request the CFPB to direct the credit reporting agencies and furnishers to conduct a full investigation under FCRA 1681i, provide documented proof of accuracy and permissible purpose for each item, and permanently delete any unverifiable or unauthorized information. Continued failure to comply will result in further action including FTC complaints, Attorney General complaints, and pursuit of statutory damages in federal court.

Company response to consumer: Closed with non-monetary relief