Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies and incomplete information reported on my credit file. After reviewing my report, I discovered numerous errors that misrepresent my financial history, despite my responsible credit management. These inaccuracies are causing an unfair reflection of my creditworthiness. My report contains several incorrect variations of my name, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, as well as incorrect addresses such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I have the right to obtain all information in my file and ensure it is complete and accurate. Additionally, several charge-off accounts reported in my file have already been discharged or forgiven through debt cancellation, and should be recognized under IRS Form 1099-C ( Cancellation of Debt ) rules. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$990.00}, XXXX XXXX XXXX * * * * * * Balance Owed : {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}. Per FCRA XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ), furnishers are required to report accurate balances and account statuses. Reporting these accounts as outstanding debts violates my rights since these debts were legally cancelled under XXXX provisions. I am requesting that these accounts be corrected or removed to reflect their XXXX status accurately. The XXXX XXXX XXXX account showing a balance of {$560.00} is also reported inaccurately. I dispute this account under FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ), which grants me the right to request a full reinvestigation of any information I believe is incomplete or inaccurate. I request that this account be verified and corrected, or removed if it can not be substantiated with accurate documentation. I am also disputing several collection accounts, which may be outdated, duplicated, or incorrectly reported : XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX XXXX XXXX {$960.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX ( Original Creditor : XXXX In Com ) {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXXXXXX  ) {$1700.00}, XXXX XXXX XXXX ( Original Creditor : The XXXX XXXX XXXX ) {$1400.00}. These entries are subject to reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). I request full verification and deletion of any accounts that can not be proven accurate and complete. Additionally, my report contains inquiries that appear unauthorized : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ), credit reports can only be accessed for permissible purposes. I request verification and removal of any inquiry without proper authorization. The inaccuracies outlinedpersonal identifiers, charge-offs, collection accounts, and unauthorized inquiriesrequire immediate correction.

Company response to consumer: Closed with non-monetary relief