Consumer complaint received 2025-04-22 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:
I hope this letter finds you well. I am writing as a consumer who has always tried to be financially responsible, but recently I discovered several inaccurate and questionable entries on my credit report that are having a devastating impact on my financial and emotional stability. 
________________________________________ Inaccurate Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : This address does not belong to me and should not be associated with my credit profile. 
FCRA Violation : Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports.

Action Requested : Please remove this address from my credit report as it is incorrect and may be contributing to fraudulent account linkages. 
________________________________________ Late Payments Accounts Affected : XXXX XXXX XXXXXXXX * * * * ( Opened : XX/XX/XXXX, High Credit : {$9800.00} ) XXXX XXXX XXXX * * * * ( Opened : XX/XX/XXXX, High Credit : {$1000.00} ) Issue : These accounts are reporting late payments that I believe are either inaccurately recorded or resulted from extenuating circumstances that were out of my control.

FCRA Violation : FCRA 623 ( a ) ( 1 ) ( A ) requires that furnishers of credit data report only accurate and complete information.

Action Requested : I request that these late payments be verified for accuracy and legitimacy. If proper documentation can not be provided, I ask that they be corrected or removed immediately. 
________________________________________ Charge-Off Account Affected : XXXX XXXX # XXXX * * * * ( Opened : XX/XX/XXXX, High Credit : {$5000.00} ) Issue : This charge-off was a result of financial hardship during a difficult period in my life. I attempted to resolve this but was not given proper communication or opportunity. 
FCRA Violation : Under FCRA 611 ( a ), I have the right to dispute any information I believe is inaccurate or unverifiable.

Action Requested : Please investigate this account and remove it if the information can not be fully verified or if it was mishandled during reporting.

________________________________________ Unknown Collection Account Affected : Unknown Account # XXXX * * * * ( Opened : XX/XX/XXXX, High Credit : {$550.00} ) Issue : I have no knowledge of this account, nor have I received any communication regarding its existence. 
FCRA Violation : FCRA 609 ( a ) ( 1 ) gives me the right to know what is being reported and by whom.

Action Requested : Immediately validate this account. If verification is not possible, this account must be deleted from my credit report.

________________________________________ Personal Statement Life doesnt always go as planned. During tough times, Ive done everything in my power to meet my obligations. Some of these issues may have stemmed from temporary setbacks, but the long-term damage to my credit and well-being has been heavy. Im asking not for favors, but for fairness, accuracy, and justicerights given to me under the law.

________________________________________ Summary of Action Requested 1. Remove the inaccurate address listed above.

2. Correct or delete the inaccurate late payments.

3. Investigate and remove the charge-off if unverifiable.

4. Validate or delete the unknown collection account.

5. Provide written confirmation of all changes made.

6. Send an updated credit report reflecting the corrections within 30 days.

Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation