Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am a consumer who is attempting to fix my credit, and I am writing to dispute the following information on my credit reports from Equifax, XXXX, and XXXX. Below is a detailed list of the disputed accounts and issues with the information reported Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX Date : XX/XX/XXXX You said : You are just a consumer that is trying to fix your credit. Draft me a statement to be used in CFPB filing. It should be separated for each bureau. These are the accounts in disputes : ============================== ============================== CHARGED OFF ============================== 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 XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX, XXXX INQUIRIES XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX  POSITIVE XXXX XXXX LATE PAYMENT 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 said : Here is a CFPB filing draft statement separated by each bureau, based on the accounts in dispute : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Date ] Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report I am a consumer who is attempting to fix my credit, and I am writing to dispute the following information on my credit reports from Equifax, XXXX and XXXX. Below is a detailed list of the disputed accounts and issues with the information reported. 

Equifax Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief