Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies in my credit report, which I recently obtained. I have always been diligent in managing my finances, yet my credit report reflects information that is both misleading and incorrect. These errors have caused undue stress and potential harm to my financial reputation. 
My credit report lists an address at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXXXXXX XXXX XXXXXXXX XXXX MA XXXX XXXX I have never resided. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting an address where I have never lived is a clear violation of this requirement.

My records indicate two accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as late closed. Both accounts were settled and have a balance owed of {$0.00}. Reporting these accounts inaccurately as late closed misrepresents my credit behaviour. As per FCRA 611 ( a ) [ 15 U.S.C. 1681i ], I am entitled to dispute any information I believe is inaccurate, and the bureau must investigate and correct any errors within 30 days. 
The report lists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$21000.00} * * and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1500.00} * *. I dispute the accuracy of these balances and the use of the 1099-C, which may have been improperly reported. Under FCRA 623 ( b ) [ 15 U.S.C. 1681s-2 ( b ) ], furnishers have a duty to conduct a reasonable investigation into disputed accounts and report accurate information to the credit bureau XXXX 
Two collection accounts XXXX XXXX ( XXXX, {$520.00} ) and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$860.00} ) appear on my report. I dispute these amounts as they are either inaccurate or already paid. Reporting erroneous collections adversely impacts my creditworthiness and violates FCRA 602 [ 15 U.S.C. 1681 ], which emphasizes the purpose of consumer reporting to ensure fair and accurate reporting. 
The following inquiries appear on my report, some of which I did not authorize or do not recognize : 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 XXXXXX/XX/XXXX These inquiries are either unauthorized or inaccurately listed XXXX FCRA 604 [ 15 U.S.C. 1681b ] requires that inquiries be conducted only for permissible purposes. I request immediate verification of these inquiries and removal of any that can not be substantiated.Given the number of inaccuracies on my report.

Company response to consumer: Closed with non-monetary relief