Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
I am writing as the consumer whose credit file you maintain to formally dispute the inaccurate reporting of my addresses, which currently appear as 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 XXXXXXXX XXXX Neither of these addresses is, nor ever been, my lawful residence. The incorrect reporting of these addresses creates a risk of misattribution of accounts, potential identity confusion, and improper reporting of debts that do not belong to me. Such errors violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items upon notice from the consumer. These false addresses have caused me tangible financial harm, including delays in account verification, confusion with creditors, and the improper inclusion of derogatory information in my credit file. I demand that these addresses be corrected immediately to reflect my accurate, verifiable residence. 
I also dispute the reporting of charge-off accounts, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}. I have never been provided with original account agreements, statements of account, or proof that these debts were ever valid or lawfully charged off. Reporting a zero-balance account as a charge-off is misleading and materially harms my creditworthiness. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not provide information they know or should know is inaccurate, and under 15 U.S.C. 1681s-2 ( b ), they are required to conduct a reasonable investigation after notice of dispute. Additionally, 15 U.S.C. 1681e ( b ) mandates that reporting agencies follow procedures to ensure maximum possible accuracy. The continued reporting of these charge-offs without verification has already caused financial harm, including credit denials, increased interest rates, and restricted access to financial opportunities.

Finally, I dispute the reporting of a new collection account and associated inquiries, specifically XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$6100.00} XXXX XXXX  and the hard inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which is included in this dispute. I have never received lawful verification of this alleged debt, including original signed agreements or itemized statements, and I did not authorize the inclusion of this inquiry in my file. Reporting an unverified collection and including an inquiry without proper authorization violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ). Furthermore, 1681i ( a ) ( 5 ) mandates deletion of information that can not be verified. The reporting of this collection and inquiry has caused immediate and measurable harm to my creditworthiness, limited access to credit, and caused reputational and financial stress. I demand that the collection be fully validated or deleted and that the inquiry be removed promptly from my credit file.

Company response to consumer: Closed with explanation