Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
I am submitting this complaint to formally dispute several items on my credit report that I believe are incorrect and do not accurately reflect my financial history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation and the correction of the following errors. 
First, there is an inaccurate address listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not associated with my personal history, and I request that it be removed from my credit report as it violates the FCRA 605 ( 15 U.S.C. 1681c ), which requires accurate reporting of personal information. 
Additionally, I dispute the following negative accounts that have been inaccurately reported. The account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX lists a balance of {$0.00}, and I believe this entry should be marked as " closed '' with no balance due. The account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Owed : {$880.00} ) XXXX XXXX should be removed as it was discharged through a Form 1099-C, under the provisions of FCRA Section 605 ( a ) ( 15 U.S.C. 1681c ) regarding the discharge of debt. Similarly, the XXXX  XXXXXXXX XXXX XXXX ( Balance Owed : {$290.00} ) XXXX XXXX  should be reviewed for accuracy and corrected to comply with FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ), which mandates that creditors report accurate information regarding the date of first delinquency ( DOFD ). The account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00} ) XXXX XXXX is reported inaccurately and should be corrected per FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), which requires the reporting of accurate information. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance Owed : {$0.00} ) XXXX XXXX account also appears to be incorrectly reported as charged off with a {$0.00} balance and should be remove in compliance with FCRA 611 ( 15 U.S.C. 1681i ), which mandates the removal of inaccurate information. 
I also dispute the entries for XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$91.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$210.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance Owed : {$320.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance Owed : {$140.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00} ) XXXX XXXX These accounts should be reviewed under FCRA 611 ( 15 U.S.C. 1681i ) for accuracy and should be updated accordingly if found to be in error. 
Furthermore, I dispute several collection accounts reported by XXXX XXXX XXXX. The accounts from XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX, Balance Owed : {$1000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance Owed : {$940.00} ), and XXXX XXXX  ( XXXXXXXX XXXX, Balance Owed : {$1000.00} ) XXXX XXXX  need to be reviewed for their accuracy and compliance with FCRA 611 ( 15 U.S.C. 1681i ), which mandates that any disputed information be thoroughly investigated and remove if found to be inaccurate. 
Additionally, I dispute the repossession entry reported by XXXX XXXX XXXX ( Balance Owed : {$17000.00} ). This entry should be fully investigated under FCRA 611 ( 15 U.S.C. 1681i ) for accuracy and removed if necessary. 
Lastly, I request the removal or further investigation of several inquiries that appear on my credit report, including those from 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 These inquiries may not have been authorized or may not meet the FCRAs requirements for permissible purposes as outlined in FCRA 604 ( 15 U.S.C. 1681b ). 
I have enclosed copies of my identification, proof of address, and supporting documentation for your reference.

Company response to consumer: Closed with non-monetary relief