Consumer complaint received 2025-06-28 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:
To Whom It May Concern, I am submitting this complaint against Equifax Information Services for gross negligence and repeated violations of the Fair Credit Reporting Act ( FCRA ). Equifax has failed to maintain accurate and verifiable information in my credit report. Despite submitting multiple formal disputes with supporting documentation, Equifax continues to report false and damaging information. This has significantly harmed my creditworthiness, affected my ability to obtain housing, credit, and employment, and caused severe emotional and financial distress. Their actions violate FCRA 1681i ( Procedures in case of disputed accuracy ), 1681e ( b ) ( Reasonable procedures to assure maximum possible accuracy ), and 1681s-2 ( Duties of furnishers of information to consumer reporting agencies ).

Incorrect Addresses ( FCRA 1681e ( b ) ) XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Incorrect Address XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Address Issue : These addresses are not associated with me in any way. I have never lived at any of these locations, and their presence on my report may be due to identity confusion, fraud, or Equifaxs failure to verify reported information.

Story : The presence of multiple false addresses on my credit file raises serious concerns of identity theft or reporting errors. This is a direct violation of my rights under FCRA 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of the data they report. Despite my disputes, Equifax has not removed these unverifiable addresses. 
Account XXXX XXXX XXXX  Acct # XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Late Payment Issue : Late payments are inaccurately reported. 
Story : I made all payments on time for this account. I have submitted proof during the dispute process, yet Equifax continues to report late payments without proper verification. This is a violation of FCRA 1681i. These errors have lowered my credit score and led to a denial of recent credit applications. 
Account : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$790.00} Collection Issue : This collection account is inaccurate and was never validated. 
Story : I never received any dunning notice or debt validation from this company. Reporting this account without prior communication and validation is a violation of the Fair Debt Collection Practices Act ( FDCPA 809, 15 USC 1692g ). Equifax failed to verify this information and reported it without evidence, causing financial harm. 
Account : XXXX XXXX XXXX  Acct # XXXX Opened : XX/XX/XXXX Balance : {$79000.00} Late Payment Issue : Late payments were reported during the federally protected XXXX forbearance period. 
Story : This account was under deferment due to the XXXX XXXX. No late payments should have been reported during this time. Equifaxs reporting violates federal law and FCRA 1681s-2. The damage caused by this misreporting is significant and unjust. 
Account : XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : This account was closed with a {$0.00} balance, yet late payments are being reported. 
Story : Reporting late payments on a closed and fully paid account is both inaccurate and misleading. This violates FCRA 1681i. I have disputed this account, but Equifax refuses to correct it. 
Account : XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off Issue : This account was fully settled and paid in full, yet it is still marked as charged-off. 
Story : I settled this account and have documentation confirming the payment. Equifax 's failure to correct this charge-off entry violates FCRA 1681e ( b ), which mandates accurate and updated reporting. 
Hard Inquiries ( FCRA 1681b ) CREDIT TECHNOLOGIES XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Issue : These inquiries were made without my knowledge or consent. 
Story : I never authorized these companies to access my credit report. Reporting these inquiries without a permissible purpose is a direct violation of FCRA 1681b. These unauthorized inquiries negatively impacted my credit score. 
Final Summary : Equifax has repeatedly failed to follow the investigation and reinvestigation procedures outlined under FCRA. They continue to report inaccurate, outdated, and unverifiable information despite my efforts to correct these errors. This pattern of negligence is damaging and unlawful. The presence of false addresses, inaccurate account histories, unauthorized inquiries, and ignored disputes all point to Equifaxs blatant disregard for consumer protection laws.

Laws Violated : FCRA 1681i Reinvestigation of disputed information FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681s-2 Furnisher duty to report accurate data FCRA 1681b Permissible purpose for inquiries FDCPA 809 ( 15 USC 1692g ) Debt validation requirement Requested Relief : Immediate deletion of all incorrect addresses Permanent removal of inaccurate late payments and charge-offs Removal of unauthorized inquiries Written confirmation of all corrections Investigate Equifaxs FCRA violations and impose regulatory action

Company response to consumer: Closed with non-monetary relief