Consumer complaint received 2025-09-21 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:
Option A Credit Reporting Agency ( CRA ) Version Company : [ TransUnion / Experian XXXX Equifax / XXXX ] Category : Credit reporting Problem with a credit reporting companys investigation What happened ( Complaint Narrative ) FCRA DISPUTE & IDENTITY-THEFT ADDENDUM NOTICE OF NON-COMPLIANCE SUBJECT : 607 ( b ), 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B identity-theft blocking, reinsertion controls, maximum possible accuracy, and complete Method of Verification ( MOV ).

1 ) Personal information hygiene ( PII ).

Please report only my correct legal name and current address, and purge obsolete addresses/phone numbers/employment entriesespecially any identifiers tied to fraudulent items. ( Metro 2 112 Personal Information Dispute ).

2 ) Identity theft 605B block. 
On [ MM/DDXXXX ], I submitted a valid Identity Theft Report ( FTC Ref # [ _____ ] ) and Police Report ( Case # [ _____ ] ) requesting 605B blocking. More than four business days have elapsed and affected items remain unblocked. Please block and cease reporting/reselling any identity-theft items and provide written confirmation with an updated report.

3 ) Cross-bureau inaccuracies ( examples ). 

XXXX ( XXXX, acct ending [ XXXX ] ) : Conflicts between CRAs on balance/past-due ( $ XXXX {$0.00} vs. $ [ amount ] / $ [ amount ] ), high credit ( {$0.00} vs. $ [ amount ] ), dates ( open/last active/last reported ), and contradictory comments ( paid profit & loss vs. unpaid balance reported as a loss ). 

XXXX XXXX ( Installment, acct ending [ XXXX ] ) : Status shows Transferred but a 30-day late appears after transfer with an incomplete/aging payment string ; balance/past due at {$0.00}. 
These discrepancies fail 607 ( b ) ( maximum possible accuracy ) and require a 611 reasonable reinvestigation with creditor-held documents. ( Metro 2 alignment required for balance/past-due/high credit/payment history. ) 4 ) Late-payment reporting issues ( global ). 
Some tradelines show XXXX lates without complete strings, or OK histories alongside charge-off labels. With identity-theft indicators, this is misleading. ( Metro 2 162 Payment History Profile Dispute ).

5 ) Reinsertion controls 611 ( a ) ( 5 ) ( B ).

For any item previously deleted and later reinserted, obtain furnisher certification and provide 5-day written notice with furnisher contact details. Identity-theft items require fresh certification tied to verified identifiers. ( Metro 2 118 ). 6 ) Method of Verification 611 ( a ) ( 6 ) & 609 ( a ) ( 1 ). For any item you refuse to delete/block, provide a complete MOV : man
ual vs e-OSCAR ; furnisher name/address/member code ; documents relied upon ( signed application or authenticated e-sign audit trail with IP/device/time/geo ; full billing ledger/payment history/charge-off or transfer worksheets ) ; verification date and reviewer identity. If creditor-held evidence tying the account to me can not be produced, delete the item.

Company response to consumer: Closed with non-monetary relief