Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and unverified accounts appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My addresses are incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, neither of which I have ever resided at, and these errors compromise the accuracy of all accounts reported under my name, violating FCRA 611 ( Consumer Dispute Rights ) and FDCPA 807 ( False or Misleading Representations ). Additionally, several charge-off accounts are inaccurately reported, including DiscoverCard XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX * balance {$0.00} XXXX XXXX, XXXX  XXXX * * XXXX {$0.00} XXXX XXXX, XXXX XXXX * * balance {$0.00} XXXX XXXX XXXX  XXXX balance {$0.00} XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX. None of these accounts have been properly verified, and their reporting without validation violates FDCPA 809 ( Debt Validation Rights ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Reporting Accurate Information ). I also dispute a collection account, XXXX XXXX, with a reported balance of {$3900.00}, which is inaccurate, unverified, and should be removed or validated in accordance with FDCPA 809 and FCRA 607 ( a ) ( Obsolete or Inaccurate Information ). Furthermore, two inquiries listed on my report, XXXX ( XX/XX/year> ) and XXXX XXXX ( XX/XX/year> ), are unauthorized and must be removed in accordance with FCRA 611, which guarantees my right to dispute inaccurate inquiries, and FDCPA 807, which prohibits misleading or unauthorized reporting. The combination of inaccurate addresses, unverified charge-offs, an incorrect collection account, and unauthorized inquiries demonstrates a clear failure to report complete and accurate information, contrary to FCRA 623 ( a ) ( 5 ) ( Proper Reporting of Delinquency Dates ) and FCRA 608 ( c ) ( Date of Commencement of Delinquency ). These errors materially harm my creditworthiness and ability to obtain credit, housing, and employment, and they misrepresent my financial responsibility. I request that TransUnion immediately reinvestigate all disputed items by contacting the original furnishers for verification and remove or correct any information that can not be fully verified. Any account reported without verification must be deleted, and written validation should be provided for any claimed balances, as required by FDCPA 809. I also request that my identifying information be corrected to reflect my true, verified addresses, that all charge-offs be validated or removed, and that the collection account and unauthorized inquiries be deleted. Please provide me with written confirmation of the results of your reinvestigation, any corrections made, and a corrected copy of my credit report. Continued reporting of inaccurate, unverifiable, or misleading information after receipt of this dispute constitutes ongoing harm to my financial integrity and violates federal law. Compliance with FCRA 607, 608, 611, 623 and FDCPA 807, 809 is required to ensure my credit report is accurate, fair, and complete, and I trust TransUnion will address these disputes promptly and thoroughly.

Company response to consumer: Closed with explanation