Consumer complaint received 2025-08-25 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 have recently obtained a copy of my credit profile and unfortunately, it has come to my attention that there are several errors on my report. The information on my report reveals that I am a victim of identity theft and several other violations of the Federal Credit Reporting Act ( FRCA ). For your convenience and reference, I have attached supporting documents and included references to the applicable laws that substantiate my claims. The accounts and records listed below are currently listed on my Equifax credit report and are all the result of identity theft and several FCRA violations.

My sole address is XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. I do NOT have any requisite OTHER ADDRESSES, and I do NOT desire any OTHER ADDRESSES to be retained or reported on my consumer report. Please DELETE the following address IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain, much less report this address without infringing my consumer rights. This address is non-mailable and is not associated with me in any way, shape, or form. 

Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not reside at or have any association with this address. Delete the non-mailable address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX XXXX XXXX XXXX, XXXX, GA XXXX I do not reside at or have any association with this address. Delete the non-mailable address XXXX XXXX XXXX XXXX, XXXX, GA XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

I am a XXXX  person. I do NOT have any EMPLOYERS, and I do NOT desire any EMPLOYERS to be retained or reported on my consumer report. Please DELETE the following employer IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain, much less report this employer without infringing my consumer rights. 

Inaccurate Employers XXXX XXXX  I have no association with this company, and I am not employed by them. Delete the company XXXX XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

Inaccurate Accounts/Records XXXX. XXXX XXXX  : charge-off account with inaccurate balance of {$1400.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX XXXX XXXX : charge-off account with inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX XXXX XXXX : charge-off account with inaccurate balance of {$1300.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX  XXXX : charge-off account with inaccurate balance of {$8800.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX  XXXX : charge-off account with inaccurate balance of {$860.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX : charge-off account with inaccurate balance of {$3700.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 
XXXX. XXXX XXXX : charge-off account with inaccurate balance of {$1300.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX XXXX : charge-off account with inaccurate balance of {$2300.00}, inaccurate listing of multiple late payments, inaccurate remarks and derogatory status of account. Account was paid in full in accordance with creditors policy as well as 26 CFR 1.6050P-1. Please update balance to paid in full with a {$0.00} balance and remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX/Dept of Education : six ( 6 ) accounts listed on my report by this creditor that are in direct violation of FCRA Sections 605B, 605C, 615 ( f ), 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 ( a ). Please remove all accounts associated with this creditor which are the result of identity theft. 

XXXX. XXXX XXXX  : account with inaccurate payment history and payment status in direct violation of 15 U.S.C. 1666 and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ). Please remove all inaccurate late payments, remarks and derogatory status which are the result of identity theft. 

XXXX. XXXX  XXXX XXXX : inaccurate public record in direct violation of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b ( as there is no permissible purpose for this record to be listed on my report ), 15 U.S.C. 1681q ( as the information was not obtained from any Bankruptcy court therefore the information was obtained under false pretenses ), as well as FCRA Sections 605B, 605C, 615 ( f ), and 623 ( a ) ( 6 ). Please remove this derogatory and inaccurate record from my credit report as it is the result of identity theft. 

The consumer laws mentioned above provide the right for consumers to request the deletion or blocking of information from a credit report as a result of identity theft and inaccurate information reported. I have also notified the Federal Trade Commission ( FTC ) of these crimes committed against me with an identity theft report, and I have also submitted a claim to the XXXX XXXX XXXX ( XXXX  ) to inform them of the violation of these crimes. 

Please confirm in writing once the fraudulent, derogatory and inaccurate information has been removed and provide me with an updated copy of my credit report reflecting these changes to the address listed above. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation