Consumer complaint received 2025-12-04 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 filing this formal complaint because several accounts and address entries appearing on my consumer credit reports are inaccurate, misleading, and causing ongoing harm. I have attempted to dispute these items with the credit bureaus, but they have failed to properly investigate and correct these errors. I am requesting the CFPBs assistance in ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). 

1. Wrong / Inaccurate Address Reporting The following address is not mine and has never been associated with me : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address This incorrect address must be removed immediately. It is inaccurate, misleading, and contributes to incorrect data being linked to my profile. 

2. Inaccurate Late Payment Reporting ( I Have NEVER Made a Late Payment ) The following XXXX XXXX XXXX XXXX XXXX accounts are reporting late payments, which is false, unverifiable, and damaging. 
I have never made a late payment, and these entries must be corrected to show accurate on-time payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$3100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit : {$1700.00} These late payments are factually incorrect, and I am formally requesting a full correction to reflect on-time payment history in compliance with FCRA 602, 607, and 611. 

3. Charge-Off Account I Have No Knowledge Of The following account is not mine, and I have no knowledge or affiliation with it : XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit : {$17000.00} Charge Off * * Since I never opened or authorized this account, I am requesting its complete deletion under FCRA 605B as it is inaccurate and unverifiable. 

Requested Action by CFPB I respectfully request that the CFPB : Require the credit bureaus to conduct a full, lawful, and independent investigation. 

Ensure that all inaccurate address and account information is corrected or deleted. 

Hold the data furnishers accountable for failing to provide accurate and verifiable information. 

Require written confirmation of the corrections. 

Conclusion These inaccuracies have caused significant distress and financial harm. I am requesting immediate intervention to ensure my credit file reflects only accurate and verifiable information, as mandated by the FCRA. 

Thank you for your time and assistance. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief