Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15021343

Complaint Overview

Complaint ID: 15021343

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Michigan

ZIP Code: 48312

Date Received: 2025-08-03T12:00:00-05:00

Date Sent to Company: 2025-08-03T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies and certain furnishers who have reported inaccurate, unauthorized, and unverified information on my credit report. This has resulted in damage to my creditworthiness, personal stress, and unjust denials of financial services. Below are the specific issues I am facing : XXXXXXXX XXXX XXXX, MI XXXX WRONG ADDRESS Issue : I have never lived at this address nor had any connection to it. It is false and inaccurately reported on my credit file Law : FCRA 607 ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report Story : I have never resided at or had any contact with this address in any way. I do not know anyone who lives there, and no legitimate business or personal transaction of mine has ever been tied to that location. When I saw this address on my credit report, I was alarmed and confused. Ive always been extremely careful about my credit and personal identity, and seeing an unknown address linked to my name made me fear for possible identity theft or credit file mixing. This is damaging to my creditworthiness and personal security, and I request immediate removal XXXX APPOLINE, XXXX, MI XXXX WRONG ADDRESS Issue : I have never lived at or used this address in any way. It should not appear on my credit report XXXX : FCRA 611 requires credit bureaus to reinvestigate disputed information. FCRA 605B allows blocking of false data suspected to be the result of identity theft Story : I do not recognize this address and never applied for credit, utility services, or filed taxes using this location. This is not an old residence, relatives home, or former mailing address. I noticed this inaccurate data while applying for credit, and it delayed my approval. This error is costing me financially, and I am deeply concerned that someone may have fraudulently used my information. I demand this address be immediately deleted from my file XXXX XXXX ACCOUNT XXXX High Balance : {$500.00} | Opened : XX/XX/XXXX Issue : I have no knowledge of this account and never received any bill, call, or letter from XXXX. I dispute the validity of this debt Law : FCRA 609 and 611 require consumer reporting agencies to verify disputed accounts. FDCPA 809 requires that debt collectors validate any debt upon request Story : I have never received any notice or communication about this collection from XXXX, and I do not acknowledge owing this amount. Ive maintained organized records of my credit obligations and this account is unfamiliar to me. Its appearance on my report has lowered my score and harmed my financial reputation. This account may have resulted from misreporting, error, or identity theft. I demand that it be removed unless verified with proper documentation. I am entitled to a full investigation and deletion if the information is inaccurate or unverifiable XXXX XXXX XXXX INQUIRY Date : XX/XX/XXXX Issue : This is an unauthorized hard pull. I never applied for credit with XXXX XXXX XXXXXXXX Law : FCRA 604 states a credit bureau must not provide a consumer report without a permissible purpose Story : I have never applied for a product or service from this bank and never consented to this credit inquiry. It was made without my knowledge and has negatively impacted my credit score. This violates my consumer rights and puts my identity at risk. There is no signed application, digital authorization, or legitimate basis for this inquiry. I demand its removal XXXX/ XXXX XXXX INQUIRY Date : XX/XX/XXXX Issue : This inquiry was unauthorized and without my consent Law : FCRA 616 and 617 hold furnishers and agencies liable for willful or negligent noncompliance with the law Story : I did not authorize this inquiry nor did I apply for a XXXX XXXX or XXXX XXXX card. This inquiry was done without a permissible purpose. I am the only authorized person to apply under my name, and I was never involved with this company. This inquiry should not exist on my report. I demand its immediate removal and that my file be reviewed for further signs of unauthorized access Final Summary and Action Requested : I am demanding that all the above inaccuracies and violations be addressed with urgency. These entries not only violate federal law, but also cause ongoing harm to my credit, job prospects, and financial access. I request that the CFPB enforce my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If the furnishers or credit bureaus are unable to verify these entries, they must be permanently removed as required by FCRA 1681i. Please contact me for any documentation needed to support my claims. I expect to receive written confirmation that this matter has been investigated and resolved.

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