Consumer complaint received 2025-11-22 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: WI

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit reports. After carefully reviewing the reports provided by each of your bureaus, I have identified several accounts and public records that are either misreported, omitted entirely, or inaccurately reflected in ways that significantly affect my credit profile. I am requesting a full investigation and correction of these errors under the Fair Credit Reporting Act. 
First, regarding accounts that were reported as Late Closed, my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently showing a XXXX balance, which is accurate. However, the account has been incorrectly flagged for late payments in my report. I want to clarify that throughout the life of this account, I maintained consistent, on-time payments and never missed any due dates. The account was responsibly closed, and the reporting of late payments is entirely incorrect. This misrepresentation affects my payment history and overall credit score. I request that this account be corrected to accurately reflect a fully paid, timely closed account with no late payments. It is essential that the records show the true, responsible management of this account to prevent any unfair negative impact on my creditworthiness. 
Second, there are multiple charge-off accounts that contain significant reporting errors or are missing entirely on certain bureaus. My XXXX XXXX account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows a balance of {$7400.00} but is not reported on XXXX. This omission creates an incomplete picture of my credit history and can mislead potential lenders regarding my actual obligations. Additionally, my XXXX XXXX XXXX XXXX accounts ( ending in XXXX XXXX XXXX XXXX XXXX with balances of {$57000.00}, {$63000.00}, and {$21000.00} ) are either inaccurately reported or completely absent from my XXXX report. These discrepancies create confusion and misrepresent my credit obligations. Similarly, my XXXX XXXX XXXX XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) each show a balance of {$13000.00} but are not reported on Equifax or XXXX, leaving gaps in my reported credit activity. My XXXX XXXX XXXX account ( XXXX XXXX XXXX ) with a balance of {$46000.00} is missing entirely from XXXXXXXX. The lack of accurate reporting across all bureaus is causing an unfair negative impact on my credit evaluation. I am requesting that all charge-off accounts be thoroughly investigated and accurately updated across all three credit bureaus, reflecting the correct balances, dates, and account statuses as they truly exist. 
Finally, public records and inquiries listed on my credit reports are incomplete, missing, or inaccurately reported. My XXXX XXXX Bankruptcy filings with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Reference # XXXX and # XXXX ) are not reported on two of the bureaus. These omissions result in inaccurate reporting of my public record history, which can affect the perception of my creditworthiness. Furthermore, recent credit inquiries, including XXXX from XXXX XXXX ( XX/XX/year> ), one from XXXX XXXX XXXX XX/XX/year> ), and one from XXXX XXXX XXXX XXXX XX/XX/year> ), are not reflected in my reports. These missing inquiries contribute to an incomplete record of my recent credit activity. It is vital that all public records, including bankruptcies and inquiries, be fully and accurately reported so that my credit profile reflects a complete, true, and fair history of my financial actions.

Company response to consumer: Closed with explanation