Consumer complaint received 2025-07-25 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:
Dear CFPB, I am submitting this complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to formally report numerous inaccurate, unverifiable, and unauthorized negative entries on my credit reports, which have caused me severe financial harm, emotional distress, and unjust barriers to credit and housing. These entries violate multiple provisions of federal law and demonstrate gross negligence and failure to comply with legal accuracy and verification standards. The details of each inaccurate entry are as follows : Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX Issue : This address is inaccurate and not associated with me at any point. I have never resided at this location. 
Law : Under FCRA 15 USC 1681i, the credit reporting agency must ensure maximum possible accuracy. Reporting this wrong address violates my rights. 
Story : I have faced significant emotional stress and denial of housing and credit due to this false address linking me to unknown debts and fraud concerns. I demand this be deleted immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : I have never lived at this address. This information is incorrect and misleading. 
Law : According to FCRA 15 USC 1681e ( b ), credit bureaus must maintain accuracy. Keeping this address violates that responsibility. 
Story : This wrong address has confused lenders and caused delays in my mortgage pre-approval, resulting in missed opportunities for stable housing. Please remove it immediately. 
Wrong Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : I am not associated with this address. It is completely false and possibly identity-related. 
Law : Under Section 609 ( a ) ( 1 ) of the FCRA, I have the right to know where this information came from. Reporting incorrect addresses without verification violates the law. 
Story : This false linkage created account mismatches and risk flags with financial institutions. Remove this address immediately. 
Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX Issue : This is another incorrect address that has never been part of my records. 
Law : FCRA Section 602 ( A ) requires fair and equitable treatment, which is not being followed by including inaccurate addresses. 
Story : These wrong addresses together have triggered fraud alerts and account freezes, damaging my financial reputation and access. 
Account : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$100000.00} | Late Payment Issue : This account is reporting inaccurate late payments that I strongly dispute. I was facing temporary financial hardship due to medical emergencies and loss of employment. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate data. Also under FCRA 1681s-2, creditors are required to correct and update inaccurate information. 
Story : I contacted the lender for assistance and was told my loan was in forbearance, yet late payments were still reported. This false reporting has lowered my score during a crucial home buying period. 
Account : XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$3600.00} | Late Payment Issue : I dispute the reported late payment. I made timely payments via ACH, which were delayed by the bank system, not my fault. 
Law : Under FCRA 611, I have a right to dispute information that is inaccurate or unverifiable.

Story : This has negatively impacted my ability to lease a car for work, leading to income disruption. I need this corrected and removed. 
Account : XXXX XXXX XXXX XXXX  XXXX | Opened : XX/XX/XXXX | Balance : {$3800.00} | Collection Issue : I have never received notice or verification of this debt. This is either fraudulent or reported in error. 
Law : Under FDCPA 809 ( 15 USC 1692g ), collectors must provide written validation of debts. I have not received any. 
Story : I suffered major mental strain after this appeared unexpectedly. Its preventing my access to safe rental housing. Delete this account unless you can validate it fully. 
Account : XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment Issue : The account shows late payment despite being fully paid. This is inaccurate and unfair. 
Law : Under FCRA 623 and FCRA 611, creditors must not report incorrect data. 
Story : I cleared this loan early to build better credit, only to find a late mark destroying my efforts. This must be removed immediately. 
Account : XXXX  XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$360.00} | Charge Off Issue : I was enrolled in a hardship program and dispute the charge-off. They promised suspension of negative reporting. 
Law : Reporting a charge-off during assistance may violate FCRA 623 ( a ) and CFPB guidelines. 
Story : My job was lost due to layoffs and I cooperated with XXXX XXXX during this tough time. This charge-off was never supposed to happen. Remove it immediately. 
I demand immediate investigation, removal, and correction of all inaccurate, unverifiable, and unauthorized entries listed above. The credit bureaus and furnishers have failed their duty to maintain accurate records under federal law. I request that the CFPB intervene and ensure compliance with all applicable consumer protection statutes. Failure to correct these errors will result in further legal action, including claims for damages under FCRA 616-617. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief