Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am writing this letter as a consumer who has worked hard to maintain a fair, accurate, and trustworthy credit profile. Upon reviewing my recent credit report, I discovered multiple inaccurate, misleading, and unverifiable entries that do not reflect my true financial history. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I am demanding the permanent removal of these items, as they are damaging my credit reputation and misrepresenting my standing as a responsible consumer.

For years, I have taken great care to ensure all of my financial records are properly maintained. However, these recent inaccuracies have caused confusion, frustration, and unnecessary harm to my creditworthiness. I am not asking for a correctionthese items must be permanently deleted, as the information in question can not be verified as accurate under federal law.

Inaccurate Addresses After reviewing the addresses listed on my credit profile, I found the following locations that are completely inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . These addresses are not connected to my personal history and should never have appeared on my credit report. Reporting this information violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which require consumer data to be fair, accurate, and verifiable. I am requesting the immediate and permanent removal of these inaccurate addresses.

Late / Closed Accounts Further, I found several accounts listed as Late Closed that were either settled, remain current, or were reported without proper verification. These entries are both misleading and harmful to my record. The following accounts must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : --, XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : --, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : --, and XXXX XXXX XXXX Balance Owed : --.

Reporting these accounts inaccurately violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and FCRA 605B / 15 U.S.C. 1681c-2. To date, no bureau or furnisher has provided proof of late payments or closure under verified terms. As such, I am demanding permanent removal, not modification or correction.

Unauthorized Inquiries I also found several unauthorized credit inquiries on my report that I never approved or initiated. These inquiries were made without a permissible purpose and therefore violate FCRA 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

The inquiries are as follows : 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  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX 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} I never provided written consent for any of these entities to access my credit file. These entries represent an invasion of privacy and must be permanently removed immediately.

Company response to consumer: Closed with explanation