Consumer complaint received 2025-08-04 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 formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
ADDRESS XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Law : FCRA 607 ( b ), FCRA 609 ( c ) ( 2 ) Issue : This address is inaccurately listed on my credit file. I have never resided, worked, or received mail at this address.

Story : I am requesting that this incorrect address be permanently removed from my credit report. Including addresses that do not belong to me increases the risk of mixed files and reporting errors. This address may be linked to fraudulent or mistaken account entries and should be eliminated from all records immediately. Please provide the source that reported this address and any documentation used to verify it. 
ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Late Payment * * Law : FCRA 607 ( b ), FCRA 611 ( a ), FCRA 602 ( a ) Issue : Late payments are reported inaccurately Story : I dispute the legitimacy of the reported late payments as they do not reflect my records. Ive not received proper billing notifications, and I suspect errors in processing. I request a full reinvestigation and deletion if the furnisher can not validate the late entries with original billing documentation. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Law : FCRA 611 ( a ), FCRA 607 ( b ) Issue : Payment history appears incorrect Story : This account is listed with a late payment though the balance is {$0.00}. I never received any notice of a late payment and the account was closed satisfactorily. I demand documentation validating the reported delinquency or removal of this record. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 611, FDCPA 807 ( 8 ), FCRA 605 ( b ) Issue : Charged off status unverified Story : This account shows as charged off but has been paid and closed. I never received final billing details or notices of default. If the account is settled, reporting it as a charge-off is misleading and damaging. Please verify the accuracy or remove this derogatory notation. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late Payment * * Law : FCRA 611, FCRA 602 ( b ), FDCPA 809 ( b ) Issue : Disputed payment reporting Story : This collection account reflects inaccurate payment timing. I was never provided with validation of debt or terms. Under FDCPA and FCRA, I request the account be verified with proper documentation or removed. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 607 ( b ), FCRA 611 ( a ), FDCPA 809 ( a ) Issue : Status and balance are inconsistent Story : This charged-off account shows a {$0.00} balance. If its charged off and paid, it is misleading to continue reporting it negatively. Please reinvestigate and provide legal proof of charge-off status and final transaction history. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 609 ( a ), FCRA 611 ( a ), FDCPA 809 Issue : Debt not validated Story : I did not receive debt validation for this account prior to charge-off reporting. I challenge the legitimacy of this charge-off. Without full validation and signed agreement, this must be deleted as it could stem from identity theft or processing error. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 609 ( c ), FCRA 611 ( a ), FDCPA 809 Issue : Misreported charge-off Story : This telecom account was disputed with XXXX directly due to billing errors. Despite the {$0.00} balance, it remains listed as a charge-off. This is inaccurate and unfairly penalizing my report. Please confirm the date of charge-off and provide supporting documents or remove the entry. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Chargeoff * * Law : FCRA 611, FDCPA 807 Issue : Negative reporting not validated Story : I was never informed of a delinquent balance or charge-off. I believe this entry to be in error and demand proper validation of the debt and terms. If not supplied, this entry must be removed immediately per FCRA requirements. 
XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff * * Law : FCRA 611, FDCPA 809 Issue : Large balance charged off with no prior warning Story : I never received billing or default notices from this company. This account appears suspicious and may be linked to misreporting or fraud. Please confirm the accuracy of this account and furnish original documentation with my signature. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payment * * Law : FDCPA 809, FCRA 602 Issue : No proof of delinquency Story : This account has inaccurate late payment data and no debt validation was provided. I request immediate investigation and removal unless the company can prove the late history with proper billing records. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$210.00} Late Payment * * Law : FCRA 607 ( b ), FDCPA 809 Issue : Improper late payment reporting Story : I never received any communication from XXXX regarding this account. If no late payment notice was served, it can not legally be listed. I request deletion if the creditor can not prove the alleged delinquency. 
INQUIRIES XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 604 ( f ), 609 Issue : Hard inquiry without permissible purpose Story : I did not authorize this company to access my credit. This inquiry was done without my consent or application. Remove this inquiry unless you can show permissible purpose with signed proof. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 604 ( f ), 609 Issue : No application or consent Story : I have no business or application submitted with this entity on this date. This was done without my knowledge and is a violation of FCRA. Please remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 604 ( f ) Issue : Repeat unauthorized access Story : This is a duplicate unauthorized inquiry by the same institution. I did not initiate any credit-related interaction with them on this date and request its immediate removal. 
XXXX XX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), FCRA 609 ( a ) Issue : Inquiry lacks permissible purpose Story : I never applied for credit with this company. This inquiry was made without legal authorization and must be deleted immediately. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

Company response to consumer: Closed with non-monetary relief