Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am filing a complaint to you as a consumer who has been unfairly and inaccurately represented within my credit file. Over the past several months, I have made every effort to ensure that my personal and financial records are reported truthfully. However, after reviewing my most recent report, I continue to see multiple inaccurate, unverifiable, and outdated items that are causing ongoing harm to my creditworthiness. These accounts and addresses do not accurately reflect my true credit history, and I am demanding permanent removal, not mere correction, under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I have lived responsibly at my correct address XXXX XXXX XXXX XXXX XXXX, TX XXXX for an extended period. However, my report continues to list inaccurate prior addresses, which are misleading and cause confusion in verifying my credit identity. These are : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, TX XXXX These addresses must be permanently deleted under FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ), which require accurate and verified consumer information. 
Furthermore, the following accounts are being disputed for permanent deletion because they are inaccurate, unverifiable, and continue to damage my reputation : Late Closed Account : XXXX XXXXXX/XX/XXXXBalance Owed : {$1400.00} * * This account was reported as late and closed, but the information provided is neither verified nor consistent with my records. I dispute its accuracy under FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ), and XXXX / 15 U.S.C. XXXX. 
Charge off Accounts : XX/XX/XXXXBalance Owed : {$450.00} * * This charge-off is inaccurate and has not been verified properly by the furnisher. The continued reporting of this account violates FCRA XXXX ( a ), FCRA XXXX ( a ) ( XXXX ) ( A ), and XXXX / 15 U.S.C. XXXX. 
XX/XX/XXXXBalance Owed : {$3000.00} *XX/XX/XXXXBalance Owed : {$9200.00} * * Both of these charged-off accounts are being reported without evidence of a Form XXXX for cancellation of debt exceeding {$600.00}, which creates legal inaccuracy. Their continued appearance constitutes a violation of FCRA XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ], as it fails the standard of maximum possible accuracy. 
Collection Accounts : XXXX XXXX XXXX XXXX * * * * Balance Owed : {$8700.00}XX/XX/XXXXBalance Owed : {$4600.00} *XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : {$190.00} * These accounts are being reported by collection agencies that have failed to provide validation as required by FDCPA XXXX ( 15 U.S.C XXXX XXXX ) and FDCPA XXXX ( 15 U.S.C. XXXX ). Furthermore, their continued presence violates XXXX / 15 U.S.C. XXXX under the FCRA due to unverifiable or inaccurate collection activity. 
Lastly, I am disputing the following unauthorized and unverifiable inquiries, which are being reported without permissible purpose. These inquiries have no documented authorization or account relationship with me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are disputed under FCRA XXXX 15 U.S.C. XXXX, FCRA XXXX ( f ) 15 U.S.C. XXXX ( f ), and FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) for lack of permissible purpose, and XXXX / 15 U.S.C. XXXX for unauthorized inclusion on my report.

Company response to consumer: Closed with non-monetary relief