Consumer complaint received 2025-08-12 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:
I am submitting this complaint because the credit reporting agencies ( Equifax, XXXX XXXX ) and certain furnishers are reporting inaccurate, incomplete, and unverifiable information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). This is my second dispute, my FTC Identity Theft Affidavit has not yet been filed, and my CFPB complaint remains open, proving these issues are ongoing. The disputed items include wrong addresses, inaccurate account reporting, unverified collections, and unauthorized inquiries, all of which are damaging my creditworthiness, increasing my cost of credit, and exposing me to identity theft risk. 
ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ISSUE : This address is not now and has never been my legal residence. Reporting this address creates a false association which may lead to fraudulent linkage with accounts I do not own.

LAW : Under FCRA 602A & 607 ( B ), consumer reporting agencies must maintain accurate and current information. Reporting an address that does not belong to me constitutes a violation of my rights and increases my risk of identity theft.

STORY : I have never signed any lease, mortgage, or utility service at this address. I believe this address may be linked to fraudulent or unauthorized credit applications. Immediate deletion is demanded to prevent further harm. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ISSUE : This is a completely incorrect and unauthorized address. Its inclusion on my credit file is damaging my creditworthiness.

LAW : FCRA 611 & 623 ( a ) ( 1 ) require reinvestigation and removal of unverifiable data. 
STORY : I have no relationship to this property. No documented proof exists to justify its inclusion. I demand its permanent removal. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX ISSUE : This address is incorrect and unrelated to me. This may cause false linking to out-of-state fraudulent accounts.

LAW : FCRA 605B protects consumers from inaccurate identifiers.

STORY : I have never lived or conducted business in Arizona. The continued reporting of this address is misleading and harmful to my credit profile. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} Late Payment * * ISSUE : This account is reporting late payments without providing verifiable evidence. 
LAW : FCRA 609 ( a ) ( 1 ) gives me the right to request complete documentation proving the accuracy of reported information. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing false or unverifiable data.

STORY : I dispute the reported delinquency. I have not received any monthly statement showing due dates or payment history that matches your report. This reporting is damaging my score and violating my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off * * ISSUE : This account shows a charge-off despite reporting a XXXX balance, which is contradictory and misleading. 
LAW : FCRA 607 ( b ) requires maximum possible accuracy. 
STORY : A XXXX balance should indicate resolution ; reporting a charge-off is a contradiction that misleads potential creditors and harms my reputation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} Collection * * ISSUE : The reporting entity failed to validate this debt. No original signed agreement or proof of ownership has been provided. 
LAW : FDCPA 809 ( b ) requires debt collectors to provide verification before reporting to credit bureaus. 
STORY : This small alleged balance has caused disproportionate damage to my credit. I never authorized this debt, and the reporting is unlawful without proper validation. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$780.00} Collection * * ISSUE : No proof of debt validation, no signed agreement, and no original account statements have been provided. 
LAW : FDCPA 809 ( b ) must cease reporting until validation is provided.

STORY : Reporting this without verification is a direct violation and creates financial harm. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * ISSUE : Late payment reporting with a XXXX balance is contradictory and misleading. 
LAW : FCRA 607 ( b ) prohibits such inaccuracies. 
STORY : This damages my payment history with no factual basis. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Collection * * ISSUE : Unverified reporting and possible identity theft.

LAW : FCRA 605B requires removal if identity theft is suspected.

STORY : I have no knowledge of this account, and it must be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ISSUE : Unauthorized hard inquiry. 
LAW : FCRA 604 ( a ) ( 3 ) permissible purpose required.

STORY : I did not apply for any credit with XXXX XXXX XXXX on this date. 
XXXX XXXX XXXX XX/XX/XXXX XXXX : Unauthorized automobile financing inquiry. 
LAW : FCRA 604 no permissible purpose. 
STORY : I never applied for financing with XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX ISSUE : Unauthorized inquiry related to auto financing. 
LAW : FCRA 604 no permissible purpose.

Relief Requested : 1. Immediate removal of all disputed addresses from my credit file.

2. Deletion of all inaccurate or unverifiable accounts listed above. 
3. Removal of all unauthorized hard inquiries.

4. Written confirmation from each CRA and furnisher that these items have been deleted.

5. Assurance that no deleted item will be reinserted without prior written notice as required by 1681i ( a ) ( 5 ).

I am requesting CFPB intervention to ensure compliance with federal law and to hold the furnishers and CRAs accountable for these violations.

Company response to consumer: Closed with non-monetary relief