Consumer complaint received 2025-11-15 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX URGENT Inaccurate Collections Reporting Causing Credit Damage XXXX Funding DELETE XXXX Capital DELETE ( confirmed via CFPB ) XXXX XXXX XXXX XXXX Update Current Address Remove ALL Incorrect/Non-Deliverable Addresses Remove Employer To Whom It XXXX Concern : I am submitting this urgent written request regarding multiple inaccuracies on my Equifax XXXX report. These errors are causing significant FICO score damage, impacting my ability to obtain credit, housing, and insurance. 

These items violate FCRA 602, 603, 605, 607, 609, 610, 611, and 1681e ( b ) ( maximum accuracy requirement ). 
You must correct them immediately. 



SECTION XXXX DV/VERIFICATION FAILURES DELETE THESE ACCOUNTS IMMEDIATELY XXXX. XXXX XXXX XXXX Account # XXXX. {$1000.00} Date opened XX/XX/XXXX DELETE IMMEDIATELY Verification Failure ( Documented Proof ) : Experian completed investigation and DELETED the account because the furnisher could not verify the debt. 
XXXX investigation shows Not XXXX XXXX, meaning no record exists, and the furnisher failed verification there as well. 

Under : 15 USC 1681e ( b ) Maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) Unverifiable information MUST be deleted 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on reporting information known to be inaccurate This account must be deleted, not updated. 



XXXX. XXXX XXXX ( XXXX Advantage ) MUST BE DELETED Immediately XXXX. {$1000.00} Date opened XX/XX/XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX A collections account was removed from your credit report. XXXX. {$490.00} CFPB CONFIRMED TERMINATION OF COLLECTION + REQUEST TO DELETE TRADELINE IMMEDIATELY I have attached the CFPB response : We have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline. 

This is direct evidence from the furnisher that : They closed the account They stopped collection They notified the bureaus to delete it If Equifax is still reporting it, that is a known FCRA violation. 

This item must be immediately removed. 



SECTION XXXX REMOVE ALL INCORRECT / NON-DELIVERABLE ADDRESSES These addresses do not belong to me and must be deleted as they cause mixed-file risk and inaccurate matching. 

Please DELETE the following addresses : XXXX. XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX # XXXX, XXXX, MA XXXX. XXXX XXXX XXXX, XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, MA These addresses are not mine, not deliverable, and are creating identity confusion and inaccurate reporting. 



SECTION XXXX REMOVE INCORRECT EMPLOYER Remove the following incorrect employer : XXXX Hotels This is not my employer and should not appear in my consumer file. 



SECTION XXXX UPDATE CURRENT ADDRESS Please update and set as my ONLY current address : XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX No other address is valid. 



SECTION XXXX FCRA HARM + EXPEDITED HANDLING REQUEST Your failure to correct these items is causing : Artificially lowered XXXX score Credit denials Higher loan and insurance premiums Housing discrimination risk This qualifies as consumer harm under FCRA 602 and FACTA.

I request expedited handling under FCRA Section 611 due to documented harm and multiple furnisher verifications. 



REQUESTED ACTIONS ( WITHIN 30 DAYS ) Delete XXXX XXXX XXXX Delete XXXX XXXX ( confirmed by CFPB ) Remove ALL old/incorrect addresses Remove incorrect employer Update current address ONLY Provide updated copy of my credit file showing all corrections Failure to correct these items XXXX result in : Complaint escalation to CFPB Attorney General Private right of action under FCRA XXXX Thank you for your time and assistance Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX : XX/XX/XXXX XXXX. Experian XXXX report # XXXX XXXX Funding Deleted XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief