Consumer complaint received 2025-07-05 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 against Equifax for their continued failure to maintain accurate, fair, and verifiable credit reporting in violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX. My rights under the FCRA have been disregarded, and despite attempts to dispute these matters, XXXX  continues to report inaccurate, outdated, and misleading information. The presence of inaccurate addresses, incorrect account reporting including late payments and charge-offs, as well as unverified hard inquiries have significantly impacted my creditworthiness. I demand a full reinvestigation, proper deletion or correction of these entries, and accountability for these violations. 
XXXX XXXX XXXX XXXX, MI XXXX This address is being inaccurately reported on my credit file. I have never resided at this address nor have I ever had any financial or legal affiliation with it. This is a violation of FCRA Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) ( XXXX ) as XXXX  is reporting unverifiable personal identifying information which misrepresents my residency history and can lead to mixed file issues. I have sent disputes to XXXX, and they failed to conduct a reasonable investigation as required under FCRA Section XXXX. The continued reporting of this false address contributes to possible identity confusion or cross-reporting errors. 
XXXX XXXX XXXX * * Late Payment * * This account is reporting late payment information which I have disputed due to inaccuracy. I have documentation showing on-time payments, yet XXXX  has continued to report this negative information. This is a violation of FCRA Section XXXX ( b ), which requires XX/XX/XXXXto maintain maximum possible accuracy. Moreover, under Section XXXX ( a ), they are obligated to reinvestigate disputes within XXXX  days and delete or correct inaccurate, incomplete, or unverifiable information, which has not been done in this case. 
XXXX XXXX * * Late Payment * * This account is being inaccurately reported with a late payment. I have contacted the creditor, and they confirmed they do not have sufficient evidence to substantiate the derogatory information. Despite that, XXXX  continues to report the account with negative history, which is a violation of FCRA Section XXXX. This inaction and failure to verify before furnishing violates my right to fair reporting under Section XXXX ( a ). 
XXXX  XXXX XXXX * * Late Payment * * Late payment is being reported inaccurately. I dispute this entry and request verification documents under FCRA Section XXXX ( a ) ( XXXX ). Experian has not provided any proper documentation nor deleted the information, even though the burden is on the bureau to ensure the data is verifiable and accurate under Section XXXX ( b ). Repeated reporting without verification demonstrates willful noncompliance and gross negligence. 
XXXX XXXX XXXX Late Payment This account was fully satisfied, and I have paid in good faith. The reporting of late payments after the account is closed and showing {$0.00} balance is misleading and creates a false representation of my payment behavior. XXXX  is violating FCRA Section XXXX ( a ) ( XXXX ) and Section XXXX ( b ) for not correcting known inaccuracies and continuing to allow outdated derogatory data to appear. 
XXXX XXXX XXXX Late Payment This entry also shows a late payment on an account with a {$0.00} balance and closed status. This is misleading and unfair. Under FCRA Section XXXX ( A ), I am entitled to a fair and equitable credit reporting process, and reporting this obsolete negative entry without verifying its relevance and accuracy violates that principle. Additionally, FCRA Section XXXX requires reinvestigation of disputed data which has not been properly executed here. 
XXXX XXXX XXXX XXXX * * Chargeoff * * This account shows a charge-off status which I dispute due to discrepancies in the date of delinquency and reporting status. The charge-off is being reported beyond the date of first delinquency which may violate the XXXX-year reporting limit under FCRA Section XXXX ( XXXX ) ( XXXX ). XXXX  has failed to obtain any verifiable documentation from the furnisher and has not conducted a reasonable investigation, in breach of Section XXXX ( a ). This false charge-off has severely damaged my credit and must be removed. 
XXXX Hard Inquiry Dated XX/XX/year> This inquiry was made without my authorization or permissible purpose. Under FCRA Section XXXX ( a ) ( XXXX ), no party may access a consumers credit report without a valid reason. I never applied for any credit with XXXX, nor did I authorize this pull. XXXX  has allowed unauthorized access to my report, and they have refused to delete the inquiry after dispute. This is a violation of my privacy rights and Section XXXX of FCRA which entitles me to damages for willful noncompliance. 
XXXX XXXX Hard Inquiry Dated XX/XX/year> This inquiry was unauthorized and never permitted by me. I have no relationship with XXXX XXXX and did not apply for any credit or services related to them. XXXX  failed to ensure this inquiry had a valid permissible purpose before allowing access, in violation of FCRA Section XXXX ( a ). Despite requesting removal, XXXX  failed to conduct any meaningful investigation, violating Section XXXX ( a ) and Section XXXX ( a ) by enabling false and damaging inquiry records to appear on my report. 
In summary, Equifax has repeatedly failed to fulfill its responsibilities under the FCRA, including the duty to ensure accuracy ( Section XXXX ( b ) ), the duty to conduct reasonable reinvestigations ( Section XXXX ), and the duty to protect my privacy by preventing unauthorized inquiries ( Section XXXX ). These systemic violations have caused serious harm to my financial credibility, delayed lending opportunities, and emotional distress. I demand the Consumer Financial Protection Bureau to take immediate and appropriate enforcement action to compel XXXX  to : XXXX ) remove all unverified and inaccurate information, XXXX ) delete all unauthorized inquiries, XXXX ) remove any misreported address, and XXXX ) ensure future compliance with all applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief