Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I am writing as the consumer whose credit file you maintain to formally dispute the inaccurate personal information currently being reported under my profile, specifically the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. This address is not, and has not been, my correct residence for the period during which it has been reported, yet it continues to appear on my consumer file and is being used to associate derogatory and credit information with my identity. The presence of inaccurate identifying information is not a minor clerical issue, it undermines the integrity of my entire credit report and violates your obligation under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy. Because address data is used to match accounts, verify identity, and determine creditworthiness, the continued reporting of this false address exposes me to serious risk of misattribution, identity confusion, and credit harm. I have already experienced difficulty verifying my own file with lenders and institutions as a result of this incorrect address being tied to my record, which constitutes actual damages under 15 U.S.C. 1681o. I further dispute the inaccurate rep
orting of XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX, which reflects a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, an open date of XX/XX/XXXX, a payment status of Late 30 Days, and a last reported date of XX/XX/XXXX, while being labeled as Late Close. XXXX XXXX  This reporting is internally inconsistent and factually defective. An account can not simultaneously be closed with a XXXX balance and still carry a current delinquency designation without clear supporting documentation and lawful basis. I have never been provided with a full payment history, closure statement, or any documentation explaining how this account could lawfully reflect both a late status and a XXXX balance at closure. This type of misleading reporting violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know or should know is inaccurate, as well as 1681i ( a ) which requires deletion or correction of unverifiable data after dispute. The continued publication of this defective tradeline has damaged my credit profile, raised my cost of borrowing, and restricted my access to favorable financial opportunities. 
Finally, I dispute the reporting of XXXX XXXX Account No. XXXXXXXX XXXX XXXX, which reflects a balance of {$0.00} but is being reported as a Charge Off, along with the associated hard inquiry XXXX  XXXXXXXX XXXX  dated XX/XX/XXXX, which is included in this dispute. A charge-off classification is a severe derogatory status that signals default and financial loss, yet the account reflects no outstanding balance and I have never been provided with the original contract, payment ledger, charge-off determination, or proof that the reported status is accurate. Reporting a charge-off without lawful substantiation violates 15 U.S.C. 1681s-2 ( b ) once disputed, and your continued publication of this information without verification violates 1681e ( b ) and 1681i ( a ) ( 5 ). The inclusion of the related inquiry further compounds the damage by making it appear that I sought credit under circumstances that are being misrepresented on my file. Together, these errors have caused measurable financial injury, reputational harm, and ongoing credit suppression.

Company response to consumer: Closed with explanation