Consumer complaint received 2025-07-23 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:
TO WHOM IT MAY CONCERN I am filing this complaint due to multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. My credit report contains numerous inaccurate, outdated, and unverifiable information including incorrect addresses, unauthorized and excessive hard inquiries, inaccurate late payments, charge-offs, and collection entries. These errors have significantly impacted my ability to obtain credit, housing, and fair financial opportunities.

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : This is also an incorrect address appearing in my file. I have no connection to this address whatsoever. 
Law Violated : FCRA 611 ( a ) and 602 ( a ) requiring reinvestigation and reasonable procedures to assure maximum possible accuracy.

Story : The listing of this address has likely contributed to incorrect account data being reported under my name. It is also a red flag of potential synthetic identity misuse or file merger. I demand this be immediately removed.

XXXX XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$11.00} Issue : A late payment has been falsely reported on this account. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know to be inaccurate.

Story : I was never more than 30 days past due. This payment was processed within the allowable period. A minor technical delay should not result in derogatory reporting. This mark has unfairly lowered my credit score and hurt my credit access. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$54000.00} Issue : Late payment inaccurately reported. 
Law Violated : FCRA 623 ( b ) the furnisher must investigate and correct or delete disputed information.

Story : I was enrolled in auto-pay and never received any notice of non-payment. The delinquency was falsely flagged and is now interfering with future financing approvals. I demand full validation and correction. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$6.00} Issue : This late payment report is unreasonable for a {$6.00} balance. 
Law Violated : FCRA 607 ( b ) reporting must be accurate to the maximum extent possible.

Story : No valid creditor should be allowed to report a damaging delinquency over such a minor amount without giving notice. I did not receive any invoice or warning, and this mark has harmed my credit unfairly. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Issue : Late payment marked after the account was closed and paid off. 
Law Violated : FCRA 623 ( a ) ( 2 ) furnishers must update and correct previously furnished information.

Story : This error is clearly the result of system automation. No human-reviewed process would allow this. It wrongly classifies my account as risky and continues to pull down my score.

XXXX XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Issue : Late payment reported after the account was closed and paid. 
Law Violated : FCRA 623 ( a ) furnisher duty to ensure accuracy.

Story : I was never behind on payments. The record reflects laziness in updating or a technical glitch. My score is suffering over a false late mark. 
XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment post-closure with no valid documentation. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ).

Story : I had enabled automatic payment. I never received a notice of a late bill. This incorrect late mark is penalizing my profile for no fault of my own. 
XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Issue : Late payment reported even though the account is paid and closed. 
Law Violated : FCRA 607 ( b ).

Story : This is a false report. No payment was late. I had a clean record, and this inaccurate derogatory mark has cost me multiple credit denials.

Hard Inquiries No Authorization or Permissible Purpose : XXXX XXXX XX/XX/XXXXXXXX  Issue : Unauthorized inquiry performed by a bank I never applied to. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( F ) ( ii ) No firm offer or consumer-initiated transaction was present.

Story : I have no accounts or applications with XXXX. This inquiry is harming my credit and shows potential abuse of access or mistaken identity. I request investigation and immediate deletion. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry occurred without any consent, loan application, or transaction.

Law Violated : FCRA 604 ( a ) ( 3 ) and 607 ( b ). 
Story : I have never engaged in business with XXXX XXXX. This unauthorized inquiry reflects either identity confusion, file mixing, or third-party credit submission. I request immediate deletion and investigation. 
Conclusion and Request : These issues are not isolated, but part of a pattern of reckless and negligent reporting. I have attempted to dispute these items directly with the credit reporting agencies and the furnishers, but no reasonable investigation or correction has been made. Under FCRA 611 and FDCPA 809 ( b ), I have the right to a full and fair investigation and to have unverifiable or inaccurate information removed. I respectfully request the Consumer Financial Protection Bureau investigate these violations, enforce correction and deletion of these inaccuracies, and hold the responsible parties accountable for noncompliance.

Company response to consumer: Closed with non-monetary relief