Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my Equifax credit report. I am requesting CFPB assistance to ensure Equifax complies with its obligations under the Fair Credit Reporting Act to report only accurate, complete, and properly verified information. 
Equifax is reporting addresses on my credit file that do not belong to me. The address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not my address. I have no knowledge of this location and have never resided there. The address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX is also not my address. I have no knowledge of this address and it is incorrectly associated with my credit profile. Both addresses are inaccurate and must be deleted from my Equifax credit report. 
Equifax is also reporting inaccurate late payment history on multiple accounts. The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing only the late payment history and requesting correction of any information that can not be fully verified as accurate. 
The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payment history that is inaccurate. I am disputing only the late payment reporting and requesting proper correction following a lawful reinvestigation. 
The XXXX XXXX account XXXX XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing only the late payment history and requesting correction of any information that does not meet accuracy and verification requirements. 
The XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting inaccurate late payment history. I am disputing only the late payment reporting and requesting that Equifax correct any late payment information that can not be verified. 
The XXXX XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is also reporting late payment history that is inaccurate. I am disputing only the late payment reporting and requesting correction of any inaccurate information. 
Equifax is further reporting a XXXX account ( XXXX, opened XX/XX/XXXX ) as a collection. I have no knowledge of this account, do not recognize it, and it does not belong to me. This account is inaccurately associated with my credit file and should be deleted unless Equifax can fully verify that it is accurate and belongs to me. 
Additionally, Equifax is reporting inquiries that I did not authorize. The Ally Financial inquiry dated XX/XX/XXXX, Global Lending inquiry dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX were not authorized by me and are incorrectly associated with my credit report. These inquiries should be removed unless Equifax can provide proper evidence of authorization. 
I am requesting that the CFPB require Equifax to conduct a complete and lawful reinvestigation, delete the incorrect addresses, correct or remove inaccurate late payment reporting, delete the collection account that does not belong to me, and remove any unauthorized inquiries that can not be verified. I also request written confirmation and an updated copy of my credit report once Equifaxs investigation is completed.

Company response to consumer: Closed with non-monetary relief