Consumer complaint received 2025-11-11 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: ME

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because the credit reporting agencies continue to report inaccurate and unverifiable information on my credit report, even after multiple disputes. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior efforts to resolve this directly with the credit bureaus, the following accounts and inquiries remain reported incorrectly. 
Incorrect Personal Information Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses do not belong to me and must be deleted from my credit profile immediately. Reporting inaccurate personal information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
Inaccurate Account Information XXXX XXXX XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this account. Please provide full validation or remove it from my credit file. 
XXXX XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is inaccurately reporting late payments. I have never made late payments ; please correct this immediately. 
XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$8.00} | Late Payment The reported late payment is incorrect. This needs to be corrected to show a positive payment history. 
XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} | Late Payment I dispute the reported delinquency. This information is not accurate or verifiable. 
XXXX Acct # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$31.00} | Late Payment This late payment reporting is false. Please verify with original documentation or delete. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The reported late payment is incorrect. Please correct immediately. 
XXXX Acct # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$7.00} | Late Payment This information is inaccurate. Please update the status to reflect accurate payment history. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this account. Please remove this unverifiable charge-off immediately. 
XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$12000.00} | Late Payment This account is incorrectly reporting late payments. I have never made late payments on this account; please correct the payment history immediately. 
XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$130.00} | Charge Off I have no knowledge of this account being charged off. This information is inaccurate and unverifiable please delete this item. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is being falsely reported with a late payment. Please verify with the original creditor or remove this error. 
XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Charge Off I do not recognize this account as charged off. Please provide full validation or delete this inaccurate entry. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The reported late payment is incorrect. Please verify with proper documentation or update to reflect accurate payment status. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Collection I am unaware of any account with this collection agency. This entry is unverifiable and must be removed. 
Requested Resolution I request the CFPBs assistance in ensuring that the credit bureaus and furnishers : 1. Conduct a full reinvestigation under FCRA 611 ; 2. Delete all unverifiable or inaccurate accounts and inquiries ; 3. Provide written confirmation of corrections made ; 4. Cease any further reporting of inaccurate or unauthorized data. 
I have attached supporting documentation including my identification, proof of address, and previous dispute letters submitted to the credit bureaus. 
I appreciate the CFPBs prompt attention in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief