Consumer complaint received 2025-10-23 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:
Complaint Summary This complaint involves the inaccurate, unverifiable, and misclassified reporting of accounts under the business file for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). The items in question are being wrongly attributed to the owner personally, contain conflicting or outdated information, or have been reinserted without certification, leading to denied business funding and reputational harm. 

I have already submitted formal written disputes ( including identity-theft documentation, government ID, and evidence of data-breach exposure ) to each bureau. The agencies either failed to respond or returned incomplete verified form letters that do not meet the FCRAs reinvestigation and verification requirements. 

XXXX XXXX XXXX and Mixed-File Errors Accounts are tied to the owner personally instead of the XXXX, XXXX a mixed consumer-business file. 

Status/Disposition Errors Conflicting charge-off, closed, and foreclosure codes, inconsistent dates, and missing bureaus. 

XXXX XXXX XXXX XXXX XXXX reference XXXX XXXXXXXX lists different filing dates and court names across bureaus ; no verified XXXX  source or linkage. 

Unauthorized or Mismatched Inquiries Multiple inquiries from lenders never authorized, correlating with identity-theft activity and breach alerts. 

Reinsertion Without Certification Items previously removed have reappeared without required furnisher certification or written notice under 611 ( a ) ( 5 ) ( B ). 

Accounts and Defects ( Attachment XXXX  ) Label Creditor / Type Partial Acct XXXX  XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misattributed to individual ; correct to XXXX  only or delete. 
XXXX XXXX XXXX ( Credit Card ) XXXX XXXX XXXX XXXX XXXXXXXX High-credit/date mismatch ; verify across sources or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off vs closed due to inactivity ; ledger/XXXX  required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Erroneous XXXX  XXXX comment ; no court linkage. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX vs Foreclosure conflicts ; provide note/ledger or remove. 
XXXX XXXXXXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Payment/terms/balance/status mismatches ; verify or delete. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Terms/date/reporting conflicts; missing on XXXX  XXXX  ; correct XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX classification without contract authority ; verify or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX case mis-attributed to owner ; should reflect LLC-only or be removed. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX classification without contract authority ; verify or delete. 
Identity-Theft & Breach Evidence Documented exposure from : XXXX  ( XXXX ) XXXX XXXX  records ( SSNs, DOBs, addresses ) XXXX ( XXXX ) XXXX XXXX  records incl. XXXX XXXX XXXX  ( XXXX ) SSNs and credit histories exposed XXXX XXXX Breach ( XXXX ) PII and loan information compromised XXXX XXXX XXXX ( XXXX ) subscriber PII leak Dark-Web and Address-Change Alerts : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These incidents coincide with the appearance of inaccurate, merged, or unauthorized data in my files. 

Violations & XXXX XXXX FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum possible accuracy. 

FCRA 611 ( a ) Failure to reinvestigate and provide XXXX XXXX XXXX XXXX XXXX ). 

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without furnisher certification and XXXX notice. 

FCRA 605B Failure to block identity-theft information after valid report was provided.

FCRA 604 Unauthorized inquiries without permissible purpose.

FCRA 623 Furnisher duty to ensure accuracy and investigate disputes.

Even though these bureaus manage business credit, their systems rely on or exchange consumer identifiers ( SSN, DOB, address ), invoking FCRA-level accuracy and reinvestigation obligations when such data affect credit decisions.

Company response to consumer: Closed with explanation