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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies appearing on my credit reports, which, after careful review, have been identified as misrepresenting my verified financial history, personal information, and overall credit behavior. My reports currently include two addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX, FL XXXX, that are incorrect and do not correspond to my actual residences. The presence of these inaccurate addresses raises significant concerns about the proper identification of my accounts and increases the risk of accounts being misattributed from other consumers, potentially creating confusion, identity issues, and misrepresentation of my credit history. The incorrect reporting of personal information violates FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ), which require furnishers to provide accurate, complete, and verifiable information to consumer reporting agencies. I request that these addresses be corrected to reflect my verified residences to ensure proper account attribution and to prevent any potential errors in future credit evaluations.

In addition, my credit report includes a charge-off account from XXXX XXXX ending XXXX with a balance of {$850.00}. According to my records, this account was paid in accordance with the original agreement, and the reported balance does not accurately reflect the status or resolution of the account. The reporting of this charge-off creates a misleading impression of my financial management and could negatively impact my ability to secure credit, loans, or favorable interest rates. Such misrepresentation may constitute a violation of FCRA 611 and 623 ( a ) ( 2 ), which require furnishers to investigate and correct inaccurate information, as well as FDCPA 807 and 808, which prohibit false or misleading representations in reporting. I request that this account be thoroughly reinvestigated with the original creditor, with verification of the balance, dates of last activity, and accurate status, and that the corrected information be updated across all three credit bureaus to ensure consistency and accuracy.

The cumulative effect of these errors, incorrect addresses and the inaccurately reported charge-off, creates a distorted and fragmented portrayal of my financial history, which may lead to wrongful credit denials, higher interest rates, or other adverse financial consequences. Each inaccuracy misrepresents my payment behavior and credit responsibility, undermining my credibility with lenders, landlords, and other institutions that rely on these reports. I request that all disputed items be promptly reinvestigated directly with the original sources, corrected as necessary, and updated across Experian, Equifax, and TransUnion. I also request a detailed written summary of the reinvestigation results, including the names, addresses, and contact information of all entities contacted during the verification process. Accurate reporting is essential to protect my financial reputation, prevent misrepresentation, and ensure compliance with all applicable provisions of the Fair Credit Reporting Act and related federal regulations.

Company response to consumer: Closed with non-monetary relief