Consumer complaint received 2025-12-15 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 am writing as the consumer whose credit file you maintain to formally dispute inaccurate personal identifying information that is currently being reported on my credit report and to notify you of suspected identity theft. The address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX has been placed on my credit file without my knowledge, consent, or authorization. I have never resided at this location, have never used it for mailing purposes, and have never provided it to any creditor, lender, or financial institution. The presence of this address is not a minor clerical error ; it is a serious indication that my personal identifying information has been misused or that my credit file has been improperly associated with information belonging to another individual. This false address increases my risk of further identity theft, fraudulent account activity, and incorrect credit decisions made using inaccurate data. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are legally obligated to follow reasonable procedures to assure maximum possible accuracy of consumer information. I am demanding a full reinvestigation into how this address was added, immediate deletion of the inaccurate address, correction of my identifying information, and written confirmation that my credit file has been secured against further identity theftrelated errors. 
I am also disputing the reporting of a late closed account identified as XXXX XXXX, account number XXXX, which shows a date opened of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and is being reported as delinquent after the account was closed. This reporting is inaccurate, misleading, and harmful. I did not authorize any late payments, and I do not recognize the delinquency being attributed to me on this account. At no point was I provided with proper documentation, billing statements, or notices validating the late status that is currently being reported. Given the broader identity theft concerns affecting my credit file, I believe this account history may reflect unauthorized use of my personal information or incorrect reporting that does not belong to me. The continued reporting of this account as late after closure violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681c ( a ), which prohibit the reporting of inaccurate or misleading information. I am formally requesting full verification of this account, including the original signed contract, complete payment history, account notes, and proof that I am legally responsible for the alleged delinquency. If this information can not be fully substantiated, this account must be deleted from my credit report without delay.

Additionally, I am disputing two charge-off accounts reported under XXXX  XXXX, specifically account number XXXX with a balance of {$470.00} and account number XXXX with a balance of {$1900.00}. These accounts are fraudulent and are the direct result of identity theft. I did not apply for these accounts, I did not authorize their opening, I did not make the charges, and I did not receive any benefit from the alleged debts. I have never entered into a valid contractual agreement with XXXX XXXX for these accounts, and any reporting suggesting otherwise is false. The continued presence of these charge-offs has caused substantial financial harm, including denial of credit opportunities, increased interest rates, and reputational damage to my credit profile. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, 1681g, and 1681c ( a ), I am exercising my right to dispute information resulting from identity theft and to demand a reasonable and thorough investigation. If XXXX XXXX can not produce signed applications, original contracts, and proof of authorization bearing my signature, these accounts must be permanently deleted. I am requesting immediate removal, written confirmation of deletion, and assurance that no additional fraudulent accounts related to identity theft remain on my credit report.

Company response to consumer: Closed with non-monetary relief