Consumer complaint received 2025-10-28 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:
Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Report Information I am writing to formally dispute multiple inaccuracies appearing on my Equifax credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ), 1681 ( b ), and 1666 ( b ), and I request an immediate investigation and correction. 

The disputed information includes incorrect address details, closed accounts reported as active, inaccurate late payment notations, accounts that do not belong to me, unauthorized inquiries, and telephone numbers not associated with me. 

Disputed Information : 1. Incorrect Address : My credit report currently lists the address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, which is not my residence. 

2. Incorrect Late Payment History : My credit report lists several late payments that are inaccurate and not associated with my payment history. I have never missed or made a late payment on these accounts. 

XXXX XXXX, XXXX Reported late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please remove all inaccurate late payment notations. 

3. Accounts That Do Not Belong to Me : The following account appears in my report, but I have no record of ever opening it : XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX GA Duplicate listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account should be deleted immediately if the furnisher can not verify its validity. 

4. Unauthorized Inquiries : The following inquiries were not authorized by me and should be removed : XXXX Identity Theft Concern I believe these inaccuracies are the result of identity theft and have caused significant harm to my credit standing. Accordingly, I am requesting that XXXX  : Remove or block any information identified as resulting from identity theft in compliance with FCRA 605 ( b ).

Notify all furnishers of the blocked information as required by the statute.

Legal Basis for Request This letter constitutes a formal dispute under 15 U.S.C. 1681i of the Fair Credit Reporting Act. I request that each disputed item be re-verified or deleted from my file within 30 days of receipt. Failure to re-verify within this timeframe constitutes grounds for deletion under the FCRA.

Additionally : 15 U.S.C. 1681i ( d ) requires XXXX  to notify me when items have been deleted. 
15 U.S.C. 1681j requires that no fees be charged for this notification or for a corrected credit report.

15 U.S.C. 1666b prohibits creditors from reporting payments as late unless reasonable procedures ensure statements are mailed or delivered at least 21 days before the due date. 
Please also provide me with the names and contact information of any parties you contacted during your investigation so I may follow up directly if necessary. 
________________________________________ Thank you for your prompt attention to this matter. I expect a written response within the 30-day investigation period as required by federal law.

Company response to consumer: Closed with explanation