Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit reports, which have been reported in a manner that does not accurately reflect my personal information, credit accounts, or inquiries, and which misrepresents my true credit history. These discrepancies are deeply concerning as they not only violate several provisions of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy, but they also negatively impact my financial reputation. I am requesting a comprehensive reinvestigation of all disputed items and corrected copies of my credit reports upon completion. 
First, my addresses have been incompletely reported or omitted entirely from Experian and XXXX Specifically, my residences at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are missing. Accurate address reporting is essential under FCRA 623 ( a ) ( 1 ) ( A ), which obligates furnishers to report accurate identifying information. The absence of these addresses creates an incomplete picture of my residential history, potentially causing misattributed accounts, misplaced inquiries, or false associations with other individuals. These omissions are particularly concerning because accurate address data is critical for account verification, identity authentication, and for my ability to apply for credit without misrepresentation. I request that my address history be fully corrected, verified, and reflected consistently across all three bureaus. 
Second, I dispute multiple derogatory accounts that are inaccurately reported or incomplete. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which currently shows a balance owed of {$2100.00}, is reported in all three bureaus, yet the charge-off details, balance accuracy, and payment history appear inconsistent and unverified. Under FCRA 623 ( a ) ( 5 ), furnishers are obligated to provide accurate dates of first delinquency and account details, and I assert that this account has not been accurately or completely reported. Additionally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$190.00}, is missing from Experian and XXXX despite being a legitimate collection account. According to FCRA 611 ( a ) ( 1 ), I am entitled to a full reinvestigation of these accounts, and I request that both accounts be verified for accuracy, updated, or removed entirely if the information can not be substantiated. Inconsistent reporting of such derogatory accounts undermines the integrity of my credit report and may cause lenders to make decisions based on inaccurate data. 
Third, I am disputing missing or inaccurately reported hard inquiries that have affected my credit profile. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX do not appear in Experian or Equifax reports, although they represent legitimate credit activity on my file. Under FCRA 609 ( a ), I have the right to receive full disclosure of all inquiries and to ensure that my credit report is complete and accurate. Accurate reporting of inquiries is vital because lenders rely on this information to assess creditworthiness, and omissions could cause confusion or misinterpretation of my credit activity. I request that these inquiries be verified and added to my reports if accurate, or permanently removed if they can not be substantiated.

Company response to consumer: Closed with explanation