Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am XXXXsubmitting a complaint to you as a consumer deeply concerned about multiple inaccurate and unverifiable items on my credit report. These entries have caused me significant stress and are negatively affecting my financial opportunities. Despite my previous disputes, these accounts and inquiries remain on my file, and I am formally requesting that they be permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
While reviewing my credit report, I noticed multiple inaccurate addresses listed that are not associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reporting of these other addresses is incorrect and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). These inaccurate addresses must be permanently removed from my credit file.

Next, I noticed several Late Closed accounts that are reported inaccurately or can not be verified. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}. The reporting of these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. Since they can not be fully substantiated, they must be permanently deleted. 
I also found multiple Charge-Off accounts that are inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} *. These items are not properly substantiated and violate FCRA XXXX ( a ) ( XXXX ) ( A ) and 605B / 15 U.S.C. 1681c-2. I request that these be permanently removed from my credit report. 
In addition, there are several Collection accounts that are either inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections violate FCRA 611 ( a ) ( 1 ) ( A ) and 605B / 15 U.S.C. 1681c-2. They must also be permanently deleted. 
Finally, my report contains numerous unauthorized and unverified inquiries that I did not approve. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these inquiries violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 605B / 15 U.S.C. 1681c-2, and they must be permanently removed.

Company response to consumer: Closed with non-monetary relief