Consumer complaint received 2025-04-19 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: MO

Complaint narrative:
I am writing to formally dispute and request the removal or correction of inaccurate and unverifiable information currently listed on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to request a reinvestigation into these accounts and personal details. Under FCRA Section 611 ( 15 U.S.C. 1681i ), if the information can not be verified, it must be deleted. 
Ive worked hard to maintain financial stability through personal hardship, and seeing this incorrect information severely hinders my ability to build a better future for myself and my family. These inaccuracies not only affect my credit standing but also restrict my access to life opportunities. I respectfully request that you review the details below and take appropriate action. 
________________________________________ Personal Information Dispute Issue : Inaccurate and duplicate addresses listed on my credit file FCRA Violation : Failure to maintain accurate and updated consumer information ( FCRA 607 ( b ) ) Action Requested : Please remove the following addresses from my credit profile, as they are outdated or reported in error : XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX Incorrect or duplicate addresses like these create confusion in my credit file and affect my overall creditworthiness. 
________________________________________ Account Disputes XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$60.00} Issue : Reported as Charged Off FCRA Violation : FCRA 611 Unverified and potentially inaccurate charge-off reporting Action Requested : Please provide complete validation of this charge-off from the original creditor. If the charge-off can not be verified with original documentation, it must be removed from my report under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$510.00} Issue : Late Payment Reporting FCRA Violation : FCRA 607 ( b ) Reporting incomplete or inaccurate payment history Action Requested : I request that this late payment be fully investigated. If you can not provide a full accounting record directly from the creditor proving its accuracy, please remove this late mark from my file. 
________________________________________ I have attached a copy of my government-issued ID and a recent utility bill as proof of identity and address. Please complete your reinvestigation within the 30-day timeframe outlined in FCRA 611 ( a ) ( 1 ). If you find that any of the listed items can not be verified with sufficient documentation, they must be deleted immediately. 
Thank you for your time and attention to this matter. I look forward to your written confirmation of the outcome. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief