Consumer complaint received 2026-01-08 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:
Complaint Narrative I am submitting this complaint against Equifax Inc. and Equifax XXXX XXXX, XXXX for failure to maintain maximum possible accuracy, failure to properly reinvestigate disputes, improper reporting of mixed-file information, and failure to correct or delete unverifiable data on both my personal consumer credit file and my business credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Despite my formal written disputes and submission of supporting documentation, Equifax continues to report inaccurate, inconsistent, and unverifiable information, including incorrect personal identifiers, unauthorized addresses, inconsistent bankruptcy reporting, and an invalid public record/judgment on my business credit file. 

Consumer Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX ONLY authorized address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Equifax is reporting multiple outdated, duplicate, or unauthorized addresses, which I have never authorized and which directly contribute to mixed-file and identity theft issues. 

Personal Credit Disputes Equifax is reporting inaccurate and improperly displayed personal data, including : Name variations and aliases that do not belong to me Unauthorized and obsolete addresses Phone numbers that are not mine Employer information that is inaccurate or unverified I have demanded deletion of all incorrect personal identifiers and retention of ONLY my authorized address listed above. Equifax has failed to comply. 

XXXX  XXXX Bankruptcy Inconsistent & Unverifiable Reporting Equifax is reporting a XXXX  XXXX bankruptcy inconsistently across credit bureaus, making the information unverifiable : XXXX  reports : Filed XX/XX/XXXX Ref # XXXX XXXX  reports : Filed XX/XX/XXXX Ref # XXXX Equifax reports : Filed XX/XX/XXXX Ref # XXXX All report a {$0.00} liability, yet Equifax has failed to provide court-certified documentation or proper verification. 

This violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 609 ( a ) Right to source disclosure FCRA 611 ( a ) Reinvestigation obligations FCRA 611 ( a ) ( XXXX ) Reinsertion standards I provided an FTC Identity Theft Report ( Ref # XXXX ) and a Police Report ( Case # XXXX ). Equifax has failed to properly investigate or delete unverifiable information. 

Business Credit File XXXX XXXXXXXX XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXXXXXX Entity Type : XXXX XXXX ( Last 4 ) : XXXX ONLY authorized business address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Authorized Officer : XXXX XXXX Equifax is reporting incorrect business identity data and an invalid civil judgment. 

Inaccurate Civil Judgment / Public Record Equifax reports the following judgment on my business credit file : Judgment Number : XXXX Judgment Date : XX/XX/XXXX Court : XXXX XXXX Supreme Court Reported Filer : XXXX XXXX XXXX XXXX Amount : {$150000.00} This judgment is not valid as reported, is unverifiable, and does not reflect a lawful or enforceable obligation of my business. 

Equifax has failed to provide : Court-certified filing documentation Proof of EIN or business identity match Proof of an executed agreement or obligation Verification source and date Reporting this without proper verification violates FCRA 607 ( b ) and 611.

Security Freeze Failure Due to documented identity theft and mixed-file activity, I formally requested security freezes on both my personal and business credit files under 15 U.S.C. 605A & 605B.

Equifax has failed to properly confirm : Placement of the freezes Provision of a PIN or secure method to lift the freeze Application of the freeze to downstream products, including Equifax XXXX XXXX and XXXX feeds Harm Caused Equifaxs failures have : Damaged my personal and business creditworthiness Interfered with business banking and lending eligibility Created ongoing identity theft and mixed-file risks Delayed business funding and compliance matters

Company response to consumer: Closed with explanation