Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
I am submitting this follow-up complaint because I have not received a proper response or resolution from the credit reporting agencies after submitting disputes 15 days ago regarding multiple inaccurate accounts and bankruptcy remarks appearing on my credit report. I am writing to dispute several accounts reporting under my name that do not belong to me. I did not open or authorize these accounts and have no relationship with the creditors listed. I was shocked to find several accounts showing a {$0.00} balance with a remark that they were included in or discharged through Bankruptcy XXXX XXXX, XXXX, or XXXX. These remarks are factually incorrectnone of these accounts were part of my bankruptcy filing. I have reviewed my court documents and confirmed that these accounts were not included, and I believe the remarks may be the result of identity confusion, misreporting, or a merged credit file with someone else. 
Here are the accounts in question : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts show remarks indicating they were discharged through bankruptcy, which is inaccurate and misleading. Additionally, my credit file contains XXXX addresses that I have never lived at or used, further supporting that there may be an error in record matching.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 607 ( b ) Credit bureaus must ensure maximum possible accuracy. 611 ( a ) Any disputed item must be reinvestigated and verified.

609 ( a ) ( 1 ) I have the right to know the source of each reported item, including addresses and furnisher information. I have never opened these accounts and they were not involved in my bankruptcy. I am requesting immediate action.

Company response to consumer: Closed with explanation