Consumer complaint received 2025-08-12 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 a formal complaint against the credit reporting agencies and the following furnishers for reporting inaccurate, duplicate, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts, inquiries, and reporting practices listed below are misleading, damaging to my credit, and in some cases appear to be willful violations of federal law. 
XXXX XXXX  XXXX, MI XXXX Wrong Address Issue : This address is not now, nor has it ever been, associated with me. It is being falsely reported on my credit file.

Law : FCRA 1681c ( a ) ( 4 ) prohibits the reporting of inaccurate or unrelated personal information, and 1681i ( a ) requires prompt reinvestigation upon dispute.

Story : I have never resided at this location. The false association of my name with this address creates a misleading profile of my identity, jeopardizing my personal safety and creating a risk of identity theft. I have provided proof of my current and past addresses, yet the credit bureaus have failed to remove this erroneous listing after multiple disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address has no legitimate connection to me and should not appear in my credit report.

Law : FCRA 1681e ( b ) mandates maximum possible accuracy in credit reporting ; failure to delete this known inaccuracy constitutes willful non-compliance. 
Story : I have never lived, worked, or maintained any accounts at this location. This incorrect reporting has caused denial of credit applications due to mismatched identity verification records. 
XXXX XXXXXXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is being reported as a charge-off despite lacking proper validation and proof of default under the terms of the original agreement.

Law : FCRA 1681s-2 ( a ) prohibits furnishing information known to be inaccurate ; FDCPA 1692e ( 8 ) forbids false credit reporting without proper investigation.

Story : I have never received proper notice of default or a complete account history. The creditor has failed to provide signed contract documents and payment records. Continued reporting without verification is a violation of my rights. 
XXXX  XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is being reported with an incorrect status and balance amount, and without proof of proper charge-off classification.

Law : FCRA 1681c ( a ) ( 5 ) restricts reporting outdated negative information ; FDCPA 1692e prohibits false representation of debt.

Story : The creditor has not responded to prior verification requests. The balance reported is inconsistent with prior statements and likely inflated with unauthorized fees. 
XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Payment history is being reported inaccurately with false late payment notations.

Law : FCRA 1681e ( b ) requires maximum possible accuracy ; failure to correct false late marks after dispute is a willful violation.

Story : I have documentation showing timely payments for the reported months. This incorrect late payment entry has dropped my credit score significantly and caused denial for necessary credit. 
XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Account shows inaccurate delinquency dates that do not match actual payment records.

Law : FCRA 1681i ( a ) requires deletion or correction of disputed inaccuracies within 30 days. 
Story : I have repeatedly disputed this with proof of on-time payments. The continued reporting shows negligence or deliberate harm to my credit standing. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$45.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : Reporting of a {$45.00} debt as a charge-off is misleading and disproportionate, and no validation has been provided.

Law : FDCPA 1692g ( b ) mandates debt validation upon request ; FCRA prohibits reporting unverifiable data.

Story : The creditor refused to provide a signed agreement or payment ledger. This charge-off is being used to artificially harm my credit score. 
XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : Late payment entries are not supported by factual payment data.

Law : FCRA 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation and correct inaccuracies.

Story : Payment delays were caused by the creditors own processing errors, not my failure to pay. 
XXXX XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Issue : This account inaccurately lists a late payment that was never late. 
Law : FCRA and FDCPA provisions protect against false reporting. 
XXXX : The reported late date falls during a period when payments were auto-deducted from my account. Records from my bank confirm timely payments. 
XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : False delinquency reporting.

Law : FCRA 1681e ( b ) and 1681i ( a ) mandate accuracy and prompt correction. 
Story : I have proof of payments yet the bureau refuses to amend the record. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Collection * * Issue : This collection is not validated and may be past the statute of limitations for collection.

Law : FDCPA 1692g ( b ) and 1692e require accurate and verified reporting ; FCRA mandates deletion of unverifiable debts. 
Story : No original contract, statements, or chain of title documents have been provided. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$700.00} Date Opened : XX/XX/XXXX Collection * * Issue : Collection reported without proper verification or notice.

Law : Same FDCPA and FCRA provisions as above. 
Story : I have never received communication regarding this debt prior to it appearing on my credit file. 
XXXX XXXX XXXX XXXX  High Balance : {$570.00} Date Opened : XX/XX/XXXX Collection * * Issue : Debt is unverified and improperly reported. 
Law : FDCPA requires validation ; FCRA requires accuracy. 
Story : No validation letter was sent, and the reporting is damaging my score. 
XXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Collection * * Issue : Similar violations as above.

Story : This item appears to be duplicate reporting to harm my credit score. 
XXXX XXXX XXXX XXXX * | High Balance : {$780.00} | Date Opened : XX/XX/XXXX | Collection Issue : This account is reported as a collection, yet no original signed contract, complete payment history, or chain of custody proving legal ownership has been provided. Reporting without proof violates FCRA 1681i ( a ) and FDCPA 809 ( b ).

Story : This account has been re-aged multiple times and appears in duplicate on my report, which is a deceptive practice under FCRA 623 ( a ) ( 1 ) ( A ). This has unfairly lowered my credit score and caused denials for housing and auto financing. The continued reporting without correction after previous disputes shows willful noncompliance.

Law Cited : FCRA 602 ( A ), 607 ( B ), 609 ( a ) ( 1 ), 611 ( a ) ; FDCPA 807 ( 2 ) ( A ), 809 ( b ) Harm Caused : The continued reporting of duplicate, unverifiable, and unauthorized information has significantly lowered my credit score, prevented me from obtaining fair credit terms, and caused emotional and financial distress. These actions appear willful and negligent under FCRA 616 and 617.

Relief Requested : Immediate deletion of all disputed accounts and inquiries.

Written confirmation of the results of the investigation. 
Assurance that these items will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ).

Declaration : I declare under penalty of perjury that the above statements are true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation