Consumer complaint received 2025-09-17 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I have received a copy of my credit reports and am disputing some items that need to be deleted. I have listed the account, the opening date and the account number when possible below. The reasons why these items should be deleted are indicated below. These items are NOT reported evenly on my credit reports. According to the provisions of the Fair Credit Reporting Act, the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report. As the mere reporting of the items prior to debt validation constitutes collection activity. In your investigation results, please provide the names, addresses, and telephone numbers of individuals you contacted during your investigation. Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX Account XXXX Account Opened : XXXX XXXX, XXXX Balance : {$830.00} XXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$750.00} * * UNAUTHORIZED INQUIRIES LISTED ON THE NEXT PAGE * * Inquiry Name : XXXX XXXX  Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name XXXX XXXX XXXXXXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry dateSep XXXX, XXXX Inquiry Name : XXXX XXXXXXXX XXXX  Inquiry dateJul XXXX, XXXX * * UNAUTHORIZED INQUIRIES LISTED ON THE NEXT PAGE * * Inquiry Name : XXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX  Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXXXXXX XXXX Inquiry dateMar XXXX, XXXX Inquiry Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX, XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX * XXXX UNAUTHORIZED INQUIRIES LISTED ON THE NEXT PAGE * * Inquiry Name : XXXX XXXX Inquiry dateJul XXXX, XXXX Inquiry Name XXXX XXXX XXXX  Inquiry dateMar XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  Inquiry dateOct XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation