Consumer complaint received 2025-09-22 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 complaint to report multiple inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains several addresses that are not associated with me and an unauthorized XXXX  inquiry that I did not initiate. The presence of these inaccurate items is causing financial harm, including denial of credit opportunities, increased interest rates, and emotional distress. Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a full reinvestigation. The law requires that the credit reporting agencies conduct a reasonable investigation within XXXX  days and remove or correct any information that can not be verified. I am exercising my rights to demand that these inaccuracies be addressed immediately and that my credit file reflect only accurate and verifiable information. 

XXXX XXXX XXXX XXXX, MI XXXX This address has never been associated with me in any legal, financial, or residential capacity. Its inclusion violates FCRA Section 611, which obligates credit reporting agencies to maintain accurate records. I have never lived here, received mail here, or conducted any business at this location. The presence of this address has caused misattributed accounts and incorrect inquiries to appear under my profile. Previous disputes have failed to remove this address, showing negligence and lack of verification. This misreporting harms my creditworthiness and misrepresents my personal history. I demand its immediate deletion along with all associated erroneous information. Continued reporting of this address is a violation of FCRA and subjects the bureau to legal liability. Written confirmation of deletion is required. The reporting agency must correct this information to comply with FCRA. Failure to act demonstrates willful noncompliance. 

XXXX XXXX XX/XX/year> This inquiry was made without my authorization and violates FCRA Section 604, which requires explicit consent for credit access. I did not authorize XXXX XXXX to access my file on this date. Its presence creates a false impression of credit activity, negatively affecting my profile. Prior disputes have not removed this inquiry, showing the bureaus failure to investigate properly. Unauthorized inquiries violate my rights under FCRA XXXX XXXX, which requires accurate reporting. I demand permanent deletion of this inquiry and written confirmation. Continued reporting constitutes a violation of federal law and XXXX be escalated to regulators. The bureau must correct my credit file and remove all inaccurate inquiries immediately. Failure to comply demonstrates willful noncompliance. My credit history must accurately reflect only authorized activity. 

CFPB Complaint Conclusion : In summary, I am requesting that all inaccurate addresses and the unauthorized inquiry listed above be fully investigated, verified, and removed immediately. These items have caused material financial harm, misrepresentation of my credit profile, and undue stress. Under 15 U.S.C. 1681i ( a ) and 1681b, I demand strict compliance with federal law, full reinvestigation, and removal of unverifiable or unauthorized information. I request written confirmation of all actions taken and notification to all users of my credit report to prevent further harm. The reporting of these items constitutes a serious violation of my rights, and I expect prompt resolution by the CFPB-recognized credit reporting agencies to restore the accuracy and reliability of my credit history.

Company response to consumer: Closed with non-monetary relief