Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are all reporting inaccurate, unverifiable, and in some cases obsolete information on my consumer credit reports, despite their legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. Across all three bureaus, my personal identifying information, address history, account reporting, and inquiries are incorrect and misleading, creating a materially false representation of my identity and creditworthiness. Experian is reporting inaccurate address information, including XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX ), addresses at which I never resided and which are not associated with my verified personal records. Experian is also reporting charge-offs for XXXX XXXX XXXX ( account XXXX XXXX balance {$420.00} ) and XXXX XXXX  ( account XXXX XXXX balance {$0.00} ), which I dispute as inaccurate, improperly reported, and potentially obsolete under FCRA 605 ( a ), with no proper documentation provided to validate the debt, the balance, or the correct date of first delinquency as required under FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ). Equifax is reporting a charge-off for XXXX XXXX XXXX ( account XXXX XXXX balance {$420.00} ) that mirrors the same inaccuracies, including questionable balance reporting and failure to demonstrate accurate furnishing or permissible reporting timeframes, and Equifax is also reporting an inquiry from XXXX dated XX/XX/XXXX that I did not authorize or initiate, which constitutes inaccurate information subject to dispute under FCRA 611. TransUnion is reporting incorrect personal identifying information by listing my name as XXXX, XXXX, XXXX instead of my correct legal name, XXXX XXXX, which creates identity confusion and increases the risk of mixed files, in violation of FCRA 607 ( b ). TransUnion is also reporting inaccurate address history, including XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX, and XXXX XXXX  XXXX XXXX, XXXX XXXX, MO XXXX, addresses that I never occupied, further compounding inaccuracies across my file. Additionally, TransUnion is reporting unauthorized inquiries from XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX, neither of which I authorized or applied for, and which therefore should not be included on my credit report. Collectively, these errors demonstrate a systemic failure by all three consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, to properly investigate disputed information, and to ensure that only verified, current, and accurate data is being reported, as required by FCRA 605, 607 ( b ), 611, and 623. These inaccuracies have caused me ongoing harm by negatively affecting my credit profile, creating confusion about my identity, and potentially impacting my ability to obtain credit, housing, and other essential services.

Company response to consumer: Closed with explanation