Consumer complaint received 2025-04-19 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:
I hope this message finds you well. I am writing to formally dispute several inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. The following information is either outdated, unverifiable, or does not belong to me and is negatively affecting my ability to provide a stable life for myself and my family.

This dispute is submitted pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which mandates that all disputed information be verified or removed within 30 days. Additionally, FCRA 607 ( b ) requires that consumer reporting agencies maintain maximum possible accuracy of information. 
________________________________________ Personal Information Disputes 1. Issue : Incorrect Previous Address FCRA Violation : 607 ( b ) Inaccurate reporting Action Requested : Please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Issue : Incorrect Former Name FCRA Violation : 607 ( b ) Inaccurate identity data Action Requested : Please remove XXXX XXXX XXXX. Issue : Incorrect Current Address FCRA Violation : 607 ( b ) Not current or accurate Action Requested : Please remove XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Issue : Incorrect Previous Address FCRA Violation : 607 ( b ) Action Requested : Please remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Issue : Incorrect Previous Address FCRA Violation : 607 ( b ) Action Requested : Please remove XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ________________________________________ Account Disputes XXXX. Account : XXXX XXXX XXXX  Account # XXXX * * * * * * Issue : Late payment reporting when no late appears on other bureaus FCRA Violation : 611 Inconsistent, unverifiable reporting Action Requested : Investigate and remove inaccurate late payment XXXX. Account XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * * * * Issue : Charge-off reporting not shown on other bureaus FCRA Violation : 607 ( b ) Possible data entry or unverified charge-off Action Requested : Verify with original creditor or delete the entry XXXX. Account : XXXX  XXXX Account # XXXX * * * * * * * * * * * Issue : Charge-off reported without matching reporting across bureaus FCRA Violation : 611 Unverified and inconsistent reporting Action Requested : Validate this debt or delete from file 4. Account : XXXX XXXX Account # XXXX * * * * * * * * * * * * * * * * * * * Issue : XXXX past due listed incorrectly FCRA Violation : 607 ( b ), 611 Action Requested : Provide complete records or delete this derogatory mark ________________________________________ Unauthorized Inquiries XXXX. Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry FCRA Violation : 604 ( a ) ( 3 ) No permissible purpose Action Requested : Please remove immediately 2. Inquiry : XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry FCRA Violation : 604 ( a ) ( 3 ) Action Requested : Delete this inquiry from my credit profile ________________________________________ Supporting Documentation : I have attached a copy of my photo ID and a recent utility bill to confirm my identity and current residence. 
Please perform a thorough reinvestigation of the above items and provide written results of your findings. If any information can not be verified within 30 days, you are required under the FCRA to delete it. 
I appreciate your cooperation in helping ensure my credit report remains accurate and fair. This information is preventing me from achieving essential life goals, including affordable housing and financial progress. Your immediate attention to this matter is not only required by law but would also greatly assist me during a very challenging time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation