Consumer complaint received 2025-07-06 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: MD

Complaint narrative:
Equifax has continuously reported false names, addresses, and account on my credit report. There are multiple items on my credit report dated XX/XX/XXXX, associated with my legal name, XXXX XXXX. The inaccuracies in my Equifax file constitute prima facie violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. These items have been disputed previously. Therefore, I am demanding permanent deletion within 4 days, not 30, as allowed under 1681i if youve failed to fully reinvestigate prior disputes. 

Identity & Personal Information Violations Equifax is reporting multiple conflicting and inaccurate name and address combinations, including : Names : XXXX XXXX XXXX ( not my name ) Address XXXX XXXX XXXX XXXX XXXX XXXX, MD These variations violate FCRA 1681e ( b ) due to your failure to ensure maximum possible accuracy and failure to match data to a single, verifiable identity. My correct and only legal name and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX You are required to remove all other names and addresses unless full legal proof of their connection to me is provided. 

Disputed Accounts & Legal Violations XXXX XXXX XXXX XXXX XXXX  Balance = High Credit = {$1000.00} Status is charge-off but lacks monthly payment field Violations : FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ; Metro 2 coding errors XXXX XXXX XXXX  Reporting charge-off with continuing payment history through XXXX Last active use was in XXXX Violation : Re-aging, improper status reporting 1681s-2 XXXX XXXX XXXX Payment made in XX/XX/XXXX Charge-off listed later in XXXX Violation : Re-aged tradeline, inconsistent reporting Violation : Metro 2 inconsistency ; improper account closure handling XXXX XXXX XXXX  ( XXXX XXXX ) {$18000.00} collection reported as active with no current status Missing monthly payment and date of last activity Violation : 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to explain method of verification XXXX XXXX XXXX XXXX/ XXXX  Missing date opened and payment history Status unclear and unverifiable Violation : 1681e ( b ), Metro 2 formatting XXXX. XXXX ( Duplicate ) Two tradelines for the same XXXX debt One listed with a third-party collection agency Violation : FCRA 1681s-2 ( b ), duplicate data reporting Inconsistent formatting compared to other CRAs Violation : FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ; Metro 2 data mismatch LEGAL DEMAND FOR ACTION Under FCRA 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation.

Under 1681i ( a ) ( 5 ) ( A ), any item that can not be verified with documentation must be deleted.

Under 1681i ( a ) ( 6 ) ( B ) ( iii ), you must disclose the name and contact of the party used to verify the information.

You are required to provide, within 4 calendar days : A signed original agreement for each tradeline Full account ledger and payment history Explanation of Metro 2 codes applied Your method of verification and who you contacted If these are not produced in time, the disputed items must be permanently deleted from my Equifax credit file or I will escalate the matter to the FTC, and the Maryland Attorney Generals Office, and pursue legal action under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief