Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to address serious and continuing inaccuracies in my credit report, which appear to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies include wrong address entries, multiple late payments, and potentially duplicative or misrepresented charge-off statuses that are materially damaging my credit profile and do not accurately reflect my credit history. 
Despite previous disputes, these incorrect entries have not been resolved. I am now demanding a formal reinvestigation into the following : Wrong Address Entries ( Never Resided or Associated With ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported : XX/XX/XXXX Inaccurate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX These addresses are not associated with me. Their continued presence suggests errors in data matching or identity confusion, which may constitute a violation of FCRA 1681e ( b ) for failing to maintain maximum possible accuracy. 

Accounts Reflecting Late Payments ( Disputed ) : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Issue : Late Payments reported inaccurately. 
XXXX XXXX ( XXXX Separate Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$27000.00} Issue : Late Payments reported on all three accounts requesting validation and correction. 
XXXX MTR Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$43000.00} Issue : Late Payments disputed. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} Issue : Late Payments disputed. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} Issue : Late Payments disputed. 
XXXX XXXX ( XXXX Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} Account # XXXX : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Issue : Both accounts show late payments requesting full validation. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Issue : XXXX XXXX reported despite {$0.00} balance XXXX be erroneous or outdated. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Issue : XXXX XXXX reported please confirm accuracy or remove. 
FCRA Notice of Rights Under FCRA 1681i, I request a formal reinvestigation into these entries. I expect : Verification of each account and address directly with the furnisher. 
Removal or correction of any unverified, outdated, or misrepresented item. 
Written notice of the outcome within XXXX XXXX, including a description of your procedures and results. 
Next Steps Failure to correct these issues XXXX result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB. Please consider this my final attempt to resolve these inaccuracies before pursuing additional remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief