Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I am filing this follow-up complaint as a consumer who continues to experience serious inaccuracies and unverifiable information on my credit file, despite prior disputes and requests for deletion under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors have caused measurable harm to my credit reputation and financial standing. 
To begin, my file continues to display an inaccurate address XXXX XXXX XXXX XXXX XXXX, PA XXXX which has never belonged to me nor been associated with my personal identity or financial history. My only correct address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. 
Reporting an incorrect address violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and FCRA 605B ( 15 U.S.C. 1681c-2 ), which require credit bureaus to maintain accurate information and permanently delete unverifiable data.

I am also demanding the permanent deletion of the following Charged-Off Accounts, which remain inaccurate, unverifiable, and unlawfully reported : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$71.00} XXXX XXXX  These furnishers have failed to verify or provide any supporting documentation for these accounts. Their continued reporting violates FCRA 611 ( a ) and 605B ( 15 U.S.C. 1681c-2 ), which require that unverifiable or inaccurate data be deleted. 
Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as Charged-Off with a {$4100.00} balance without the issuance of a legally required Form 1099-C for debt cancellation exceeding {$600.00}. This omission demonstrates a failure to maintain complete and accurate records, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], and warrants permanent deletion. 
The Collection Account XXXX XXXX XXXXXXXX ( Balance : {$220.00} ) is also inaccurate, unauthorized, and unvalidated, violating FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and FCRA 605B ( 15 U.S.C. 1681c-2 ). Because no debt validation has been provided, this entry must be permanently removed. 
Lastly, I am disputing the following unauthorized inquiries that were made without my consent or a permissible purpose, violating FCRA 604 ( a ), 604 ( f ), and 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without any business relationship or my authorization, and they must be permanently deleted. 
Despite previous disputes, reinvestigations, and direct correspondence, these inaccuracies continue to appear on my credit report. The failure of credit bureaus and furnishers to verify, correct, or delete these items constitutes ongoing noncompliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation