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: GA

Complaint narrative:
I am filing a complaint regarding numerous inaccurate and inconsistent items being reported across Experian, TransUnion, and Equifax. Experian is reporting an inaccurate name, XXXX XXXX, as well as late-closed accounts including XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$190.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX, reporting 30-day late * *, and XXXX  XXXX with a {$0.00} balance, opened XX/XX/XXXX, last payment XX/XX/XXXX. Experian is also reporting several charge-offs, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$4000.00} balance opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$16000.00} balance opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance opened XX/XX/XXXX * *, as well as collections including XXXX XXXX XXXX XXXX XXXX XXXX for {$500.00} opened XX/XX/XXXX * *, and additional accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$520.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for {$3600.00} opened XX/XX/XXXX, and XXXX XXXX / XXXX XXXX XXXX XXXX for {$710.00} opened XX/XX/XXXX * *. Experian is also reporting inaccurate and unauthorized inquiries, including 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 XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX . TransUnion is also reporting an inaccurate name, XXXX, XXXX XXXX, and inaccurate addresses, including XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXXXXXX, GA XXXX. TransUnion also reports late-closed accounts including XXXX XXXX XXXX XXXX XXXX  ( {$190.00} balance, opened XX/XX/XXXX, last payment XX/XX/XXXX, 30-day late ) * * and XXXX XXXX ( {$0.00} balance, opened XX/XX/XXXX, last payment XX/XX/XXXX ), along with charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4000.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$16000.00}, opened XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00}, opened XX/XX/XXXX ). TransUnion is also reporting multiple inaccurate collections, including XXXX XXXX XXXX XXXX XXXX XXXX  ( {$500.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$520.00}, opened XX/XX/XXXX ), XXXX  / XXXX XXXX XXXX ( {$3600.00}, opened XX/XX/XXXX ), and XXXX XXXX / XXXX XXXX ( {$710.00}, opened XX/XX/XXXX ). TransUnion also shows numerous disputed inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX, and additional XXXX  inquiries XX/XX/XXXX. Equifax is reporting an inaccurate name ( XXXX XXXX ) and inaccurate address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. Equifax also lists late-closed accounts including XXXX XXXX XXXX ( {$190.00} balance, opened XX/XX/XXXX, last payment XX/XX/XXXX, 30-day late ) * * and XXXX  XXXX ( {$0.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), along with charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$4000.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$16000.00}, opened XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00}, opened XX/XX/XXXX ) * *. Equifax also reports collections including XXXX XXXXXXXX XXXX  ( {$500.00}, opened XX/XX/XXXX ), XXXX XXXX / XXXX XXXX ( {$710.00}, opened XX/XX/XXXX ), and XXXX XXXX ( {$520.00} ). Equifax also shows numerous inquiries I dispute as inaccurate or unauthorized, including 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 XXXXXX/XX/XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief