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: TX

Complaint narrative:
I am writing to formally dispute numerous inaccuracies, omissions, and inconsistencies on my credit reports across Experian, Equifax, and TransUnion. These inaccuracies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditors Restrictions During Dispute, 611 ( 15 U.S.C. 1681i ) Dispute Inaccurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) Obsolete Information, 605 ( a ) ( 5 ) Reporting Limits for Closed Accounts, 604 ( a ) Permissible Purpose, 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure, and 607 ( b ) Maximum Possible Accuracy of CRA Procedures. The following accounts, inquiries, addresses, and public records are inaccurately reported, misrepresented, or missing entirely, which has caused a significant distortion of my credit profile and creditworthiness. I request a thorough reinvestigation and immediate correction of all disputed items.

First, multiple addresses are reported incorrectly across the three credit bureaus. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect addresses violate FCRA 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) Maximum Possible Accuracy. Misreported addresses have caused misattributed accounts, duplication, and the conflation of my financial information, resulting in a misleading representation of my credit history. These errors must be corrected and updated in full accordance with FCRA requirements. 
In addition, numerous late-closed accounts and charge-offs are inaccurately reported. Accounts such as XXXX XXXX XXXX XXXX XXXX ( {$130.00} ), XXXX XXXX XXXX XXXX XXXX {$1200.00} ), XXXX BANK XXXX XXXX XXXX {$880.00} ), XXXX XXXX XXXX * * * * * * * * * ( {$9300.00} ), XXXX XXXX XXXX XXXX * * * * * ( {$810.00} ), XXXX XXXX SVC XXXX * ( {$0.00} ), XXXX XXXXXXXX ( {$5.00} ), XXXX XXXX XXXX * * * * * * * ( {$210.00} ), XXXX XXXXXXXX * ( {$700.00} ), XXXX XXXX XXXX XXXX ( {$150.00} ), and XXXX XXXX are inconsistently reported between bureaus with discrepancies in balances, last activity dates, and payment histories. These inaccuracies violate 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) ( 5 ) Reporting Limits for Closed Accounts, 611 Right to Dispute and Require Reinvestigation, and 602 ( A ) Requirement for Fair and Accurate Reporting. Many charge-offs are tied to active accounts, and some are not reported at all in certain bureaus, including XXXX XXXX XXXX XXXXXXXX * in Equifax * XXXX and XXXX XXXX and XXXX in XXXX and XXXX. These errors must be reconciled to accurately reflect my true financial history. 
Furthermore, public records such as my XXXX XXXX XXXX  XXXX on XX/XX/XXXX in XXXX Bankruptcy XXXX, AR XXXX XXXX are missing in Equifax. The absence of this information violates FCRA 605 ( a ) Removal of Obsolete Information, and its misreporting contributes to an incomplete and misleading representation of my credit profile. Additionally, unauthorized and outdated inquiries, including XXXXXXXX XXXX  dated XX/XX/XXXX, have been reported in violation of 604 ( a ) Permissible Purpose, 605 ( a ) Reporting Limits, and 611 Right to Dispute Unauthorized Inquiries. These inquiries must be investigated, verified, and removed if unauthorized or reported in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief