Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Dear Consumer Reporting Agency : I am submitting this formal complaint to dispute multiple items on my credit report, request reinvestigation, and demand corrective action under the Fair Credit Reporting Act ( FCRA ). I have been impacted by identity theft and data breaches, resulting in mixed-file reporting and inaccurate information across all three major bureaus. Attached as Exhibit A is a detailed tradeline and inquiry list. 

I request immediate action under the applicable FCRA sections described below : 1. Identity-Theft / Mixed-File 605B I affirm that certain accounts on my credit files are the result of identity theft and/or mixed-file reporting.

FTC Identity Theft Report filed : # XXXX. Copies attached with police documentation. 
Requested Action : Block all identity-theft related accounts under 605B. 

Provide the furnisher name, member code, and full Method of Verification ( MOV ) for each blocked item.

2. Personal Information Correction 607 ( b ) Correct my legal name and primary address : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Remove all name/address/SSN/DOB variants causing mixed-file issues. 

Confirm suppression of SSN/DOB from public display. 

3. Improper Reinsertion 611 ( a ) ( 5 ) ( B ) Previously deleted items were reinserted without compliance.

Require furnisher certification and 5-day written notice. 

If documentation can not be provided, delete reinserted tradelines and notify downstream users. 

XXXX. XXXX Inconsistencies 607 ( b ), 611 Multiple tradelines show conflicting balances, high credit, payment history, and account status across bureaus.

Furnisher documentation does not reconcile conflicts. See Exhibit A for detailed per-account discrepancies.

5. Specific Accounts/ Disputes 5.1 XXXX XXXX Mortgage Tradeline Bureaus : TU / EX / EQ Issues : Terms mismatch ( XXXX vs XXXX ), last reported date mismatch, payment history conflicts, ledger not provided. 

MOV Requested : Yes XXXX XXXX  XXXX ( XXXX / XXXX ) Bureaus : TU / EX / EQ Issues : High credit mismatches, last active date discrepancies, inconsistent late payments, past due amounts unverifiable. 

MOV Requested : Yes XXXX XXXX  Bureaus : TU / EX / EQ Issues : Payment status discrepancies ( XX/XX/XXXX days ), balance mismatches, past due mismatches, late marks unverifiable. 

MOV Requested : Yes XXXX XXXX Bureaus : TU / EX / EQ Issues : Balance, past due, high credit, and late status discrepancies ; late marks inconsistent. 

MOV Requested : Yes XXXX XXXX Bureaus : TU / EX / EQ Issues : Late markers inconsistent ; payment history discrepancies ; high credit EQ {$0.00} vs TU/EX {$1200.00}. 

MOV Requested : Yes XXXX XXXX  XXXX Bureaus : TU / EX / EQ Issues : Cross-bureau late payments, months open discrepancies. 

MOV Requested : Yes XXXX XXXX XXXX XXXX  Bureaus : TU / EX / EQ Issues : Obsolete / mixed-file / unverifiable ; charge-off / collection inconsistencies ; late markers and balances unverifiable. 

MOV Requested : Yes XXXXXXXX XXXX  / Public-Record Verification Any bankruptcy records must be verified with court filings or vendor documentation. 

Records can not be verified : remove from all bureaus and downstream products.

611 ( a ) ( 5 ) ( B ) certification required if reinserted previously.

Reported XXXX  Records : XXXX  XXXX, Dismissed, XX/XX/XXXX XX/XX/XXXX ( TU/EX ) XXXX  XXXX, Dismissed, XX/XX/XXXX ( EQ ) All balances and liabilities {$0.00} ; records unverifiable.

7. Unauthorized / Improper Inquiries 604, 609 ( a ), 611, 605B Exhibit A contains a full list of hard inquiries believed unauthorized. 

For each : provide permissible purpose code, user/furnisher name, member code, and copy of my signed authorization.

Company response to consumer: Closed with non-monetary relief