Consumer complaint received 2025-11-01 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: MO

Complaint narrative:
Product/Issue ( suggested selections ) : Credit reporting Incorrect information on your report ; Information belongs to someone else/mixed file ; Problems with investigation into an existing problem. 

XXXX XXXXXXXX XXXX  ( XXXX ) Because lenders evaluate the XXXX nationwide XXXX XXXX XXXX  ) alongside identity and banking screens, inaccurate or inconsistent data results in automatic declines. Please expedite corrections and send updated disclosures to prevent further lending harm. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) I am experiencing identity-theft/mixed-file indicators and accuracy problems. Under the FCRA ( 15 U.S.C. 607 ( b ), 609 ( a ), 611, 605A, 605B ), I dispute the accuracy, completeness, verifiability, and lawful reporting of the items below and request a full reinvestigation and Method of Verification ( MOV ). 

XXXX ) Personal Information XXXX XXXX Code XXXX ( Update/Restrict ) Keep only : Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX all other name/address/phone/employer variants. This is a 607 ( b ) accuracy and XXXX reinvestigation demand. Suppress SSN/DOB from public display. 

XXXX ) XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( If XXXX ) If any previously deleted item is reinserted, provide ( XXXX ) furnisher certification and ( XXXX ) written XXXX reinsertion notice. If absent, permanently delete. 

XXXX ) XXXX Inconsistencies XXXX ( b ), XXXX Correct to furnisher-held ledgers across all three CRAs or delete if not fully verifiable. Provide 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  ; remarks canceled by grantor XXXX closed due to inactivity. 

XXXX ( XXXX, Revolving, Closed ) : Last-activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; remarks conflict. 

XXXX XXXX XXXX ( XXXX, Closed ) : 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 XXXX XXXX  ; remarks conflict. 

Where Equifax is missing a tradeline present at XXXX , investigate mixed-file/suppression and synchronize or delete inconsistent entries that can not be verified to furnisher records. 

XXXX ) Late-Payment / Status Defects XXXX XXXX XXXX XXXX Remove late markers or the entire tradeline where complete month-by-month statements/ledgers and DOFD/charge-off accounting can not substantiate the reporting ( e.g., XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  mismatches XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Unsupported, contradictory, or misleading status coding must be corrected or deleted. 

XXXX ) Identity-Theft / Mixed-File Block 605B ( XXXX ) Identity theft is declared ( FTC Ref XXXX XXXXXXXX XXXX. For any disputed item tied to ID-theft indicators ( address/alias variation, XXXXprimary confusion, contradictory dates ), block under XXXX unless competent evidence is produced with MOV ( including any e-consent with timestamp + IP/device logs ). 

XXXX ) Banking/Identity Products ( FYI scope ) Do not use third-party/scraped public record summaries to verify any tradeline. Only furnisher-held documents and court-certified copies are acceptable for public records. 

XXXX ) Bankruptcy XXXX Remove if Unverifiable If any bankruptcy appears or is used in derived products : Courts do not furnish or verify to XXXX ; vendors scrape indices. Identify exact source ( XXXX XXXX  ), XXXX XXXX, chapter, and filed/closure dates and provide the court-certified records relied upon. If you can not produce court-certified documentation tied to my identifiers, delete from all files and downstream products. If previously deleted/reinserted, provide 611 ( a ) ( 5 ) ( B ) certification XXXX XXXXXXXX notice or remove immediately. 

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  for each ( permissible-purpose code ; member code ; signed authorization or valid e-signature XXXX IP/device logs ; verification method ; reviewer ID/date ). If authorization can not be shown, delete or reclassify as soft ; if ID-theft, block under XXXX. 

XXXX ) Security Freezes & Permanent Opt-Out Apply per my selections ; confirm in writing.

Company response to consumer: Closed with explanation