Consumer complaint received 2025-11-22 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: WI

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, and I request a full investigation and correction of these errors under the Fair Credit Reporting Act. Upon reviewing my reports, I noticed multiple discrepancies, ranging from incorrect addresses to missing account information, which misrepresent my financial history and affect my creditworthiness. 
Firstly, the addresses listed on my reports are incorrect and outdated, which has led to confusion with account reporting and communications. My address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX, and later updated to XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. However, these updates have not been consistently reflected across all three bureaus. This inaccurate reporting may have caused accounts to be misapplied or misattributed and affects my ability to receive notices and maintain proper account records. I request that all three bureaus update my address history to accurately reflect these changes and ensure all future reporting aligns with my current residence. 
Secondly, several accounts have been inaccurately reported as late or missing entirely from certain bureaus, despite being managed responsibly. My XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$340.00} ) is not reported on Equifax or TransUnion, despite being paid as agreed. Similarly, my Get It Now account ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$0.00} ) is also missing from Equifax. While my XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$1800.00} ) and XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$12000.00} ) are reported on all three bureaus, the inconsistencies across other accounts distort my credit history. These omissions create an incomplete picture of my credit responsibility. I request that all accounts be accurately reflected with proper balances and reporting dates to ensure my credit report accurately reflects my payment history. 
Finally, multiple collections have been either inaccurately reported or missing from certain bureaus, causing further discrepancies. My XXXX XXXX accounts, including XXXX XXXX XXXX XXXX ( XXXX * * * *, balance {$760.00} ) and Original Creditor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, balance {$1500.00} ), are not fully reported on Equifax, while Original Creditor XXXX XXXX Bank ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$1400.00} ) appears inconsistently. Additionally, The Bureaus account with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$390.00} ) and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, balance {$720.00} ) are reported differently across bureaus. These inconsistencies make it difficult to maintain an accurate record of my obligations and impact my credit profile. I request that all collection accounts be verified, properly updated, and reflected consistently across Experian, TransUnion, and Equifax. Accurate reporting of these accounts is essential for a true representation of my financial history.

Company response to consumer: Closed with non-monetary relief