Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report. This includes outdated addresses, employers, negative accounts, and unauthorized hard inquiries. These items are either inaccurate, unverified, or reported without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and remove the following items from my credit file. 
________________________________________ Inaccurate Addresses These addresses are not mine and should be removed : XXXX. XXXX XXXX XXXX, XXXXXXXX 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 Issue : These addresses do not belong to me and are inaccurately reporting on my credit profile. 
FCRA Violation : XXXX ( b ) Failure to maintain accurate information. 
Action Requested : Please delete these addresses immediately. 
XXXX Inaccurate Employers The following employers are incorrectly associated with me : XXXX. XXXX XXXX  XXXX. XXXX XXXX Issue : I have never worked for these employers. 
FCRA Violation : XXXX ( b ), XXXX ( a ) ( XXXX ) Action Requested : Please remove these employers from my employment history. 
XXXX  Negative Account Disputes XXXX XXXXXXXX XXXX XXXXXXXX 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  Issue : These accounts have been charged off and are inaccurately impacting my credit. I request full investigation and verification of these accounts. 
FCRA Violations : XXXX ( b ), XXXX ( a ) ( XXXX ), XXXX ( a ) Action Requested : Please verify these accounts. If they can not be verified, they must be deleted from my report. 
XXXX  Collections 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 Issue : These collection accounts appear to be inaccurate and/or unverified. Some may be duplicates. 
FCRA Violation : XXXX ( a ), XXXX ( b ), XXXX Action Requested : Please validate these debts or remove them. 
XXXX Late Payments XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I am disputing the accuracy of the reported late payments. 
o FCRA Violation : XXXX ( b ), XXXX o Action Requested : Please correct or remove the late payments after full investigation. 
XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were not authorized by me and were not initiated by any credit application I made. 
FCRA Violation : XXXX Permissible purpose requirement. 
Action Requested : Please remove these inquiries from my credit file. 
XXXX  Summary of Requests Delete all inaccurate addresses and employers. 
Investigate and remove charge-offs and collections that can not be verified. 
Delete or correct late payment history where inaccuracies are found. 
Remove all unauthorized inquiries. 
Send me a free updated credit report reflecting these changes. 
Please complete your investigation within XXXX  days as required by federal law and confirm all changes in writing. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief