Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Customer Relations Department XX/XX/XXXX Subject : Request to Correct Inaccurate Information on My Credit Report Dear Equifax Team , I recently reviewed my credit report and noticed several inaccuracies that Id like your help to correct. These errors are affecting my credit profile, and Im eager to get them resolved as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute incorrect information, and Id appreciate your assistance in investigating and fixing the items listed below. 

Items Im Disputing : Incorrect Personal Information Former Name : XXXX XXXX Why Its Wrong : This isnt a name Ive used ; its a misspelling of my legal name. 
What I Want : Please update this to reflect my correct name, XXXX XXXX. 
Incorrect Previous Address Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Why Its Wrong : Ive never lived at this address. 
What I Want : Please remove this from my credit report. 
Incorrect Previous Address Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Why Its Wrong : This isnt a past address of mine. 
What I Want : Please remove this from my credit report. 
Incorrect Previous Address Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why Its Wrong : Ive never resided here. 
What I Want : Please remove this from my credit report. 
Incorrect Previous Address Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Why Its Wrong : This address isnt associated with me. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Why Its Wrong : Ive always paid this account on time ; the late payment notation is a mistake. 
What I Want : Please update the payment status to show all payments as on-time. 
Incorrect Charge-Off Account : XXXX XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Why Its Wrong : This charge-off is inaccurate and doesnt reflect my payment history. 
What I Want : Please remove this from my credit report. 
Incorrect Charge-Off Account : XXXX XXXX ( Account # XXXX ) Why Its Wrong : This charge-off is incorrect and shouldnt be on my report. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXX XXXX  ( Account # XXXX ) Why Its Wrong : I was never late on this account ; this is an error. 
What I Want : Please update the payment status to reflect on-time payments. 
What Im Asking For The FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), gives me the right to ask for a proper investigation of these inaccuracies. Id like you to : Investigate each item with the furnishers ( the companies reporting this info ). 
Remove or correct the inaccurate details within 30 days, as required by law. 
Send me an updated copy of my credit report once the corrections are made ( FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ) ). 
To help ensure everythings verified properly, could you please share : The name and address of each furnisher you contact. 
The date you reach out to them. 
How you contact them ( phone, email, etc. ). 
Why This Matters These errors are hurting my ability to move forward financially, and Im counting on your team to help me set the record straight. I trust youll handle this promptly and fairly.

Thank you for your attention to this matter. I look forward to your response within the 30-day window outlined in the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief