Consumer complaint received 2025-08-06 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To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Another incorrect address listed on my credit report, unrelated to my actual residence. 
Law : FCRA mandates accuracy and completeness in credit reporting ; incorrect addresses constitute a violation of these standards ( 15 U.S.C. 1681e ( b ) ). 
Story : The presence of this erroneous address has led to confusion in credit verification processes, making it difficult for me to secure favorable loan terms and impacting my financial reputation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Issue : This address does not pertain to me and has been mistakenly included in my credit report. 
Law : The Fair Credit Reporting Act requires all information on credit reports to be verified and confirmed as accurate. Failure to do so breaches consumer protection laws. 
Story : Misreporting of this address has caused lenders to doubt my credit profiles, worsening my ability to obtain housing and other vital services that depend on accurate credit data. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$59.00} Issue : Reported as late payment though I have never been late. This is damaging my credit score unjustly. 
Law : FCRA Section 623 requires furnishers of information to provide accurate data. Reporting a late payment incorrectly violates this rule. 
Story : The wrongful reporting has led to declined credit applications and higher interest rates, creating financial stress and limiting my borrowing capacity. 

XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$98.00} Issue : Incorrect late payment status reported ; payments were made on time according to my bank records. 
Law : The FCRA entitles consumers to dispute and have inaccurate credit information corrected or removed promptly ( Section 611 ). 
Story : Because of this incorrect late payment record, I have been unfairly penalized by creditors, affecting my ability to enjoy fair loan terms. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Issue : This account incorrectly shows a late payment status which I dispute. 
Law : Consumer Financial Protection Bureau ( CFPB ) guidelines require correct reporting to prevent harm to consumers. 
XXXX : The late payment misreport has diminished my credit score, significantly impacting my financial reputation and opportunities. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Marked as a late payment despite XXXX balance and timely payments. 
Law : Under FCRA, both credit bureaus and furnishers must maintain reasonable procedures to ensure accuracy.

Story : This error has negatively influenced my creditworthiness, creating unwarranted difficulty in obtaining new credit or refinancing existing loans. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

Company response to consumer: Closed with non-monetary relief