Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
I am submitting this complaint to formally dispute several items listed on my credit report, which I obtained from your bureau. After thoroughly reviewing the entries, I found multiple discrepancies that need to be corrected to ensure an accurate reflection of my credit history. I am requesting that you investigate and remove the inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 
First, I would like to address the inaccurate personal information that has been reported. My name is incorrectly listed as XXXX XXXX XXXX and my address is shown as XXXX XXXX XXXX XXXX, TN XXXX. This information is erroneous, and under FCRA 609 ( 15 U.S.C. 1681g ), I am entitled to a report that accurately reflects my personal data. The correct name is XXXX XXXX XXXX, and my address should be XXXX XXXX XXXX, XXXX, TN XXXX. 
Moreover, I noticed late payment entries that were reported for accounts that have been closed with a {$0.00} balance, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. These accounts should not be listed as late or outstanding, and under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), obsolete information, such as accounts that are closed with a XXXX balance, should not remain on the report if they no longer reflect accurate or timely financial activity. 
One of the most significant issues is the charge-off entries listed on my report. The following accounts are reported as charge-offs with balances of {$0.00}, which does not reflect the accurate status of these debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$86.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} I am requesting that these accounts be reviewed for accuracy and compliance with FCRA 605 ( a ) ( 15 U.S.C. 1681c ), which dictates that obsolete information should be removed from credit reports. Specifically, these charge-offs reflect balances of {$0.00}, yet they are still listed in a way that suggests there is some outstanding obligation, which is incorrect. 
Additionally, for account XXXX, I would like to point out that any debt related to these accounts may have been discharged or settled under the provisions of IRS Form 1099-C ( Cancellation of Debt ). According to FCRA 605 ( a ) ( 1 ), once a debt is discharged and a Form 1099-C has been issued, the account should no longer be listed as an open or outstanding debt. As such, I request that these accounts be removed to reflect the discharge status and to ensure compliance with the law. 
There are several accounts listed as collections that require investigation, including XXXX XXXXXXXX XXXX XXXX XXXX ( {$2100.00} ), XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( {$610.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( {$290.00} ). These collection accounts are either outdated or incorrectly listed, and I respectfully request that they be reviewed and removed or corrected in accordance with FCRA 611 ( 15 U.S.C. 1681i ), which grants me the right to dispute and have inaccurate information investigated and corrected. 
Finally, I would like to dispute the following inquiries made into my credit report, which I do not recognize as valid : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed as they appear to be made without my consent. Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), only permissible inquiries should be recorded, and I do not recognize these transactions.

Company response to consumer: Closed with explanation