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 filing this complaint due to Equifax 's willful failure to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), and 1681c. Despite my efforts to dispute these errors, Equifax has failed to conduct reasonable investigations or remove clearly inaccurate data. Below are the specific issues : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is incorrectly listed on my credit report. I have never lived at or been associated with this location in any legal, financial, or employment capacity. 
Law Violated : FCRA 1681e ( b ) Reasonable procedures to assure maximum possible accuracy ; 1681i Reinvestigation of disputed information.

Story : This address does not belong to me and its inclusion is severely misleading. I suspect this is a result of a mixed file or identity confusion. I have not applied for credit or services using this address, nor do I have any utility bills, lease agreements, or employer records tied to this location. Equifax has failed to verify this address through a reasonable investigation, and despite submitting prior disputes, they have not removed it, violating their obligations to maintain a consumer file that is fair and accurate. 
ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is falsely reported under my name and profile. 
Law Violated : FCRA 1681c Reporting obsolete or incorrect information ; 1681e ( b ) Inaccurate information ; 1681i Failure to investigate. 
Story : I have never lived in XXXX XXXX, Florida, nor have I used this address in any credit or legal matter. The inclusion of this address has made it difficult for me to prove my identity with lenders, landlords, and financial institutions. Its presence raises concerns about mixed file errors or potential identity theft. I have submitted disputes, yet Equifax has failed to conduct a proper investigation or remove this obviously inaccurate address. 
ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is not now nor has it ever been connected to me. 
Law Violated : FCRA 1681e ( b ) ; 1681i.

Story : The continued reporting of this incorrect address has resulted in negative consequences for me, including loan denials and fraud alerts. It appears to be part of a systemic issue where Equifax is failing to distinguish between consumer files. The presence of this address is alarming and demonstrates negligence on Equifaxs part in maintaining accurate personal information. I have no mail, ID, or financial ties to this location. 
ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is completely unrecognized and unrelated to my identity. 
Law Violated : FCRA 1681e ( b ) ; 1681i ( a ).

Story : The presence of this address on my credit report is unjustified and unverified. I have submitted disputes, but Equifax has failed to provide any documentation supporting its reporting. I have never been to XXXX XXXX, let alone resided at this property. This inaccurate listing raises the risk of unauthorized access or identity theft and damages my credibility with creditors and government agencies. 
ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address has no connection to me or my personal record. 
Law Violated : FCRA 1681e ( b ) ; 1681i.

Story : This incorrect address appearing on my Equifax report is highly concerning. I have no history in Michigan and no reason for this address to appear in my file. It may reflect an error due to cross-reporting, data blending, or poor identity verification processes. Equifax is required by law to ensure accuracy and conduct real investigations when an address is challengedyet no meaningful action was taken after my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3600.00} STATUS : CHARGE-OFF Issue : Account is inaccurately reported as charged off with inconsistent balance data. 
Law Violated : FCRA 1681i Failure to reasonably investigate ; 1681s-2 Duty of furnishers to report accurate information.

Story : I disputed this account with Equifax due to discrepancies in reporting dates, status, and balance owed. The creditor has not provided proper validation of the alleged debt. Equifax has failed to request or review such documentation, instead continuing to report this derogatory tradeline. I never received a notice of default, and there is no legal proof of liability. The reporting of this account has caused credit denials and job application issues, and Equifax 's negligence constitutes a violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00} STATUS : CHARGE-OFF Issue : This charge-off entry is being reported with incorrect data and was never verified properly. 
Law Violated : FCRA 1681i ( a ) ; 623 Responsibility of furnishers ; FDCPA 809 ( b ) Debt validation.

Story : I never received proper notification or debt validation for this account. Equifax is reporting it without verifying the accounts legitimacy, payment history, or default process. I requested validation and proof of my liability, but Equifax failed to respond with anything other than automated verbiage. The account is seriously damaging my credit profile and is being misrepresented in violation of multiple consumer laws. The amount listed is also inconsistent with past payment records I possess. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATUS : BANKRUPTCY Issue : This bankruptcy is not mine and has no record of association with my SSN or name. 
Law Violated : FCRA 1681e ( b ) ; 1681c ( a ) ( 1 ) ; 1681i.

Story : I contacted the U.S. District Court directly and confirmed there is no such bankruptcy filing under this reference number tied to my identity. Equifax is reporting a serious and damaging public record that does not belong to me, which is a gross violation of my rights under the FCRA. The presence of this incorrect bankruptcy prevents me from accessing essential services like renting housing or obtaining employment. It is a direct consequence of Equifaxs failure to use reasonable procedures to verify public records. They must immediately delete this unverifiable and harmful entry.

Requested Relief : Immediate deletion of all the above-listed inaccurate addresses.

Permanent deletion of the above-referenced inaccurate accounts and public records unless verified with complete, written, and authenticated documentation.

A full reinvestigation conducted within the FCRA-mandated 30 days.

Copies of all documents used to verify the data, including subscriber input, original creditor communication, or court records. 
A corrected credit report sent to me and all third parties who accessed my credit within the last two years.

Penalties or fines for willful noncompliance and any negligence causing reputational or financial harm.

Company response to consumer: Closed with non-monetary relief