Consumer complaint received 2025-11-19 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 submitting this complaint regarding multiple inaccurate items on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to maintain accurate and complete information. 
Disputed Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX This address is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This is being reported incorrectly and does not belong to me. 
These addresses are being incorrectly linked to my identity, which is a direct violation of FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) requiring accuracy and verifiability. 
Accounts with Discrepancies : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$3200.00} Reported as Charge Off. I have no knowledge of this account, and the charge-off status is inaccurate. I request full removal under FCRA Section 611 ( a ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2000.00} Reported as Late Payment. 
I have never missed a payment on this account ; the late payment status is incorrect. I request correction to reflect accurate payment history. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as Late Payment. I have a full history of timely payments. Correct this inaccurate reporting immediately. 
DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$3300.00} Reported as Late Payment. This is inaccurate and misleading. 
DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1800.00} Reported as Late Payment. I have never missed payments on this account. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$4500.00} Reported as Late Payment. This is false. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$7700.00} Reported as Late Payment. Payment history is accurate ; this is a reporting error. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1900.00} Reported as Late Payment. I dispute this as inaccurate. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$4600.00} Reported as Late Payment. I request correction. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$3400.00} Reported as Late Payment. I have never missed a payment on this account ; the reporting is inaccurate. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$6500.00} Reported as Late Payment. This is false and must be corrected. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2700.00} Reported as Late Payment. Payment history is accurate; correct this error. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1900.00} Reported as Late Payment. Inaccurate reporting ; request correction. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2700.00} Reported as Late Payment. This is incorrect. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$3700.00} Reported as Late Payment. I dispute this ; please correct. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$6400.00} Reported as Late Payment. False reporting ; request correction. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$15000.00} Reported as Late Payment. I have made all payments on time ; correct this record. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as Late Payment. This is false ; please update. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$21000.00} Reported as Late Payment. Payment history is accurate ; correct the reporting error. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as Late Payment. I dispute this as incorrect. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$30000.00} Reported as Late Payment. This accounts payment history is accurate and must be corrected. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$5700.00} Reported as Late Payment. I have never missed a payment ; this reporting is false. 
DEPTEDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1200.00} Reported as Late Payment. This is incorrect and must be corrected. 
DEPTEDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$5600.00} Reported as Late Payment. Payment history is accurate ; correct the record. 
Bankruptcy Records : XXXX XXXX Bankruptcy, Reference # XXXX Closing Date : XX/XX/XXXX The above bankruptcy references are being reported multiple times under varying identifiers, creating confusion and potentially misleading creditors. According to FCRA Sections 602 and 611, public records must be reported accurately and without duplication. I request that these records be verified, consolidated if necessary, and reported accurately. 
Impact : These inaccuracies are harming my credit score, creating confusion with lenders, and affecting my ability to obtain credit. 
Requested Resolution : 1. Correct all accounts listed above to reflect accurate payment history. 
2. Remove any collection accounts I do not recognize. 
3. Consolidate or remove duplicate bankruptcy entries. 
4. Provide an updated credit report reflecting all corrections.

Company response to consumer: Closed with non-monetary relief