Consumer complaint received 2025-11-20 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 several inaccuracies on my 3 credit Beaurus credit report. After carefully reviewing my report, I discovered multiple discrepancies that do not match my personal records or the information reported by the original creditors. These inaccuracies involve my personal identifying information, account statuses, and hard inquiries. I request that Experian conduct a thorough reinvestigation of each item and update my credit report to reflect complete, accurate, and verifiable information in accordance with the Fair Credit Reporting Act ( FCRA 602 ( a ), 605 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), 611 ( b ), 623 ( a ), and 623 ( a ) ( 5 ) ). Accurate reporting is critical to ensure that my creditworthiness is fairly represented and that my credit file contains only verified information. 
First Inaccurate Address : My credit report lists XXXX XXXX XXXX, XXXX, AR XXXX as my current residence. This is inaccurate and has never been my address. Reporting this incorrect address can result in misattributed accounts, unauthorized inquiries, and confusion regarding my identity. Accurate personal identifying information is essential so that all accounts and inquiries are properly associated with me. I request that Experian update my credit report to reflect my correct address and verify that all accounts are linked accurately. This request is made under FCRA 605 ( a ), 607 ( b ), and 611 ( a ). Correcting my address ensures that only my accounts appear on my report and prevents misrepresentation of my credit history. 
Second Late Closed Account ( XXXX, Account Number XXXX, Balance {$0.00} ) : This account is reported as late and closed with a balance of {$0.00}. According to my records, the account was properly closed and no late payments occurred. The reporting of late payments is inaccurate and misleading, as it does not reflect my actual payment behavior. Erroneous late payments can negatively affect my credit score, impact lending decisions, and misrepresent my creditworthiness. I request that Experian verify this account directly with XXXX, confirm the entire payment history, and remove any falsely reported late payments. This request is made under FCRA 607 ( b ) and 611 ( a ), which require maximum possible accuracy and provide my right to dispute and have incorrect information reinvestigated and corrected. 
Third Repossession Account ( XXXX, Account Number XXXX, Balance {$13000.00} ) : This account is reported as a repossession with a balance of {$13000.00}. My records indicate that some of the reported balance amounts, activity dates, and account status are inaccurate. Reporting this account incorrectly can severely damage my creditworthiness and affect my ability to secure credit in the future. I request that Experian verify all details with XXXX, including balance, status, and payment history, and correct any inaccuracies. This request is made under FCRA 607 ( b ), 611 ( a ), and 623 ( a ), which mandate accurate reporting, verification with the furnisher, and correction of any errors. Accurate reporting of repossession accounts is essential because misrepresentation can have long-lasting negative effects on my credit profile. 
Fourth Hard Inquiries : Additionally, several hard inquiries on my report are inaccurate, unauthorized, or unverifiable, including : Credit Acceptance XX/XX/XXXX, Credit Acceptance 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 I did not authorize several of these inquiries, and some may have been reported incorrectly or without proper verification. Inaccurate or unauthorized hard inquiries can lower my credit score, misrepresent my financial activity, and affect my ability to obtain new credit. I request that Experian verify the date, purpose, and authorization of each inquiry, and remove any that can not be verified or were not authorized, in accordance with FCRA 604 ( a ).

Company response to consumer: Closed with non-monetary relief