Consumer complaint received 2025-09-01 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 to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Law : FCRA 1681e ( b ) Issue : Erroneous address reporting.

Story : This address is not mine and may indicate a clerical or identity error. Its inclusion misleads creditors and damages my credit reliability. FCRA 1681i requires reinvestigation and removal if unverifiable. 

XXXX XXXXXX/XX/XXXXXXXX Law : FCRA 1681i ( a ) requires reinvestigation of disputed information. 
Issue : Fraudulent or incorrect address. 
Story : I have no association with this property. Reporting it without verification violates my rights under FCRA and misrepresents my credit history. Immediate deletion is required. 


Accounts : XXXXXX/XX/XXXXChargeoff Opened XX/XX/XXXX {$390.00XX/XX/XXXXLaw : FCRA 1681i ( a ) requires reinvestigation of disputed accounts and deletion if unverifiable. 
Issue : Reported charge-off is inaccurate. 
Story : I have never opened this account. Its reporting misrepresents my financial behavior, lowers my credit score, and can prevent me from accessing credit. The bureau must delete unverifiable accounts per FCRA 1681i. 

XX/XX/XXXXChargeoff Opened XX/XX/XXXX {$390.00}XX/XX/XXXXaw : FCRA XXXX ( a ) Issue : Inaccurate charge-off. 
Story : This account has not been verified with supporting documentation. Its presence misleads lenders and can cause denial of credit or higher interest rates. FCRA 1681i mandates removal if unverifiable. 

DEPTEDXX/XX/XXXX Late Payment Opened XX/XX/XXXX {$1800.00XX/XX/XXXX Law : FCRA XXXX ( a ) Issue : Incorrect late payment. 
Story : This payment was made on time. Reporting it as late misrepresents my payment history, damages my credit, and violates FCRA 1681i. Removal or correction is required. 

DEPTEDXX/XX/XXXXate Payment Opened XX/XX/XXXX {$2100.00XX/XX/XXXXLaw : FCRA 1681i ( a ) Issue : Inaccurate late payment.

Story : The late payment reported is false. Its inclusion can mislead lenders and affect my ability to obtain loans. FCRA 1681i requires deletion if unverifiable. 

DEPTEDXX/XX/XXXXLate Payment Opened XX/XX/XXXX {$2000.00}XX/XX/XXXX Law : FCRA 1681i ( a ) Issue : Unverified late payment.

Story : This item is inaccurate and harms my credit profile. Reporting without verification violates FCRA 1681i. Reinvestigation and deletion are required. 

DEPTEDXX/XX/XXXXLate Payment Opened XX/XX/XXXX {$3500.00XX/XX/XXXXLaw : FCRA 1681i ( a ) Issue : False late payment. 
Story : This reported late payment misrepresents my financial responsibility. FCRA 1681i mandates deletion if unverifiable. 

DEPTEDXX/XX/XXXXLate Payment Opened XX/XX/XXXX {$1700.00}XX/XX/XXXXaw : FCRA 1681i ( a ) Issue : Inaccurate late payment.

Story : Reporting this incorrectly harms my credit and violates FCRA 1681i. Removal is required. 

XXXX XXXXXX/XX/XXXX Chargeoff Opened XX/XX/XXXX {$650.00}XX/XX/XXXX Law : FCRA XXXX ( a ) Issue : Incorrect charge-off. 
Story : This account is inaccurately reported. Its presence negatively impacts my credit and violates FCRA. Deletion is required. 

XXXX XX/XX/XXXX Law : FCRA 1681b ( f ) Issue : Unauthorized inquiry.

Story : This inquiry was not authorized. Reporting it harms my credit profile and is a violation of FCRA. Immediate removal is required. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with explanation