Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
As allowed under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX. XXXX ) and XXXX ( b ), I am requesting an immediate reinvestigation and correction or deletion of the information outlined below. These items are harming my creditworthiness and do not accurately reflect my credit history. 
After careful review of my report, I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX These addresses are not associated with me and were never my place of residence. They are inaccurately attached to my credit profile and must be deleted under FCRA XXXX ( b ), which mandates the reporting of only verifiable and accurate identifying information. 
LATE CLOSED ACCOUNTSTO BE REMOVED : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts are being reported with late payments despite having a {$0.00} balance and being closed. 
This is misleading and unfairly impacts my XXXX XXXX. Since they are closed and no longer active, any alleged delinquencies are outdated or unverifiable. I am requesting the removal of all negative notations or complete deletion of these accounts if accurate verification can not be provided. 
CHARGE-OFF ACCOUNTS TO BE REMOVED : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX Balance XXXX {$280.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} AFFIRM XXXXXXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX dispute the accuracy of these charge-off entries. I request that you verify the original creditor records and provide supporting documentation validating the balance, status, and account history. If such evidence can not be provided, I request immediate removal of these items per FCRA XXXX ( a ) ( XXXX ). 
COLLECTION ACCOUNT TO BE REMOVED : XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9400.00} I do not recognize this collection account, and I believe it XXXX be inaccurately attributed to my file. 
Please provide full documentation validating the debt, including the original account agreement, payment history, and verification of ownership. If it can not be verified, it must be deleted. 
UNVERIFIED INQUIRIES TO BE REMOVED : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX were not authorized by me, and I believe they XXXX be linked to potential identity confusion or fraud. Please investigate and delete any unauthorized or unverified XXXX  inquiries under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation