Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my 3 credit Bereaurus credit report. Upon carefully reviewing my report, I identified multiple discrepancies regarding my personal information, several accounts, and hard inquiries. These inaccuracies do not match the records from the creditors and are inconsistent with information reported by other credit bureaus. I am requesting that Experian conduct a thorough investigation and update my credit file to reflect accurate, complete, and verifiable information in accordance with the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ), which require consumer reporting agencies to maintain maximum possible accuracy and ensure all information reported is complete, accurate, and verifiable. 
The first account in question is XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as open with a {$0.00} balance and shows a 30-day late payment in XX/XX/XXXX, despite the account being opened on XX/XX/XXXX and last activity on XX/XX/XXXX. According to my personal records, this account is closed, and the reported late payment is inaccurate. I am requesting that Experian verify the accurate account status and payment history with XXXX and update my report to reflect correct information, as required under FCRA 607 ( b ) and 611 ( a ). 
The second account is a charge-off with XXXX XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$510.00}. The reporting on this account contains inconsistencies regarding balance, status, and dates of last activity. I am requesting that Experian verify all details directly with XXXX XXXXXXXX XXXX and ensure that the account is accurately reported, in accordance with FCRA 609 ( a ) ( 1 ) and 611 ( a ). Any unverifiable or incomplete information must be corrected or removed. 
The third account is a collection account with XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$3200.00}. There are discrepancies regarding the balance and account history that do not match my records. I am requesting that Experian verify this account directly with XXXX XXXX XXXX and ensure accurate reporting, in accordance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ). 
The fourth account is a collection account with XXXXXXXX XXXX XXXX account number XXXX, with a reported balance of {$360.00}. The reporting of this account appears incomplete and inconsistent. I am requesting that Experian verify the accuracy of this account directly with the original creditor and correct or remove any unverifiable information, as required under FCRA 607 ( b ), 609 ( a ), and 611 ( a ). 
In addition, I am disputing the following hard inquiries. These inquiries must be verified to ensure they were made with a permissible purpose under FCRA 604 ( a ). If Experian can not verify a permissible purpose, these inquiries must be removed from my credit file : Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are inaccurately associated with my credit file and could have a negative effect on my credit score. I am requesting that Experian contact the respective entities to verify each inquiry and provide written confirmation of their permissible purpose, in accordance with FCRA 604 ( a ), 607 ( b ), and 611 ( a ). Any inquiries that can not be verified must be deleted.

Company response to consumer: Closed with non-monetary relief