Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against the credit reporting agencies XXXX Equifax, and XXXX for continuing to report multiple inaccurate addresses on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These addresses are false, damaging, and completely unrelated to me or my financial history. Despite not having any connection to these addresses, they have remained on my credit report, leading to major personal and financial harm. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is being incorrectly reported on my credit file. I have never lived at, received mail from, or been associated with this property. It is completely false and damaging. 
Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports. Including an address I have no connection with violates this standard. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate information and request prompt reinvestigation and correction.

Story : The presence of this false address has caused me to experience delays in processing financial applications and repeated identity verifications. At one point, a lender flagged my credit application for additional review due to this address not matching any part of my credit history or supporting documentation. This has led to missed financial opportunities and significant emotional stress. I am a victim of profile contamination someone elses information has mistakenly merged with mine, and now Im suffering the consequences. This is not a small clerical error its a serious inaccuracy affecting my financial reputation and daily life. I urge you to remove this address from all credit files and conduct a thorough investigation to prevent recurrence. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is not associated with me in any way. Its inclusion on my credit report is completely false and is potentially the result of identity theft or a file-mixing error.

Law : According to FCRA 1681e ( a ) and 1681e ( b ), a credit bureau is required to maintain strict accuracy in reporting and take reasonable steps to avoid mixing consumer files. Inclusion of another person 's address on my report is a direct violation of those obligations. I am also invoking my rights under 1681g and 1681i to receive full reinvestigation and removal.

Story : This address has never been mine, but its presence on my report has led to several major issues in my life. I recently attempted to secure a personal loan for emergency medical needs, and the loan was flagged due to address inconsistencies. Ive had to repeatedly verify my identity with multiple creditors and explain situations that are completely unrelated to me. It is unacceptable and humiliating. I believe this address may have been added due to either mixed credit files or fraudulent activity. This kind of error affects my credit standing, delays my access to urgent financial products, and causes unnecessary emotional burden. Every time a lender sees this mismatch, it raises a red flag that damages my credibility. I am respectfully demanding immediate deletion of this address from all bureaus and credit reporting databases.

Request for Resolution : I am demanding the immediate removal of all three addresses from my credit reports and a full reinvestigation under the FCRA. I also request that the bureaus send me updated copies of my credit file reflecting these corrections and that they provide written confirmation of the outcome. The continued presence of inaccurate personal information is a violation of federal law, an invasion of privacy, and a source of ongoing harm to my financial and emotional well-being.

Company response to consumer: Closed with non-monetary relief