Consumer complaint received 2025-04-24 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 am formally disputing several items listed on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). The following entries are either outdated, inaccurate, or unverifiable and are negatively impacting my credit profile. I respectfully request that you investigate and delete or correct the information outlined below. 
________________________________________ Outdated or Inaccurate Addresses Please Remove : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Topaz Trl, XXXX, GA XXXX XXXX Topaz Trl, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Topaz Trl, XXXX, GA XXXX FCRA Violation : Section XXXX ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
XXXX Requested : Remove all addresses not linked to any current active tradelines. They are outdated and not relevant to my credit file anymore. 
________________________________________ Disputed XXXX Accounts Please Investigate : 1. XXXX XXXX XXXX Account # XXXX * Date Opened : XX/XX/XXXX Issue : I do not recognize this debt and have received no communication regarding it. 
FCRA Violation : Section 609 I have the right to full validation of any account reported.

Action Requested : Validate with original signed agreement, statements, or remove. 
2. XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Issue : I was never properly notified, and this account may be reporting inaccurately.

FCRA Violation : Section 611 Reporting must be accurate and complete.

Action Requested : Validate this entry or delete it entirely. 
XXXX. XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Potential duplication with other entries and unverified origin. 
FCRA Violation : Section 609 and 607 All data must be verified for accuracy. 
XXXX Requested : Provide full documentation or remove. 
________________________________________ Hard Inquiry to Be Reviewed : MID SOUTH Date of Inquiry : XX/XX/XXXX Issue : I do not recall authorizing this inquiry. 
FCRA Violation : Section 604 No inquiry should be made without consumer consent. 
XXXX Requested : Remove the inquiry if no signed authorization can be provided. 
________________________________________ Personal Note : I am actively working toward rebuilding my credit and taking responsibility for my financial future. These disputed entries are hindering that journey and may not be accurate or fully verified. I kindly ask for a fair review and removal of anything that can not be validated beyond doubt. I believe in second chances and transparencyboth of which are vital for honest credit reporting. 
________________________________________ Legal Reminder : Under the FCRA, I am entitled to : A full reinvestigation ( Section 611 ) Full documentation of any account reported ( Section 609 ) Accurate and verified information only ( Section 607 ) Please respond within the required XXXX timeframe with the results of your investigation. I appreciate your attention to this matter and look forward to your prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief