Consumer complaint received 2025-12-01 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 submitting this follow-up to formally dispute numerous inaccuracies, omissions, and inconsistencies on my credit reports across Experian, Equifax, and TransUnion. These errors violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666 Correction of Billing Errors, 1666a Creditors Restrictions During Dispute, 611 ( 15 U.S.C. 1681i ) Dispute Inaccurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) Obsolete Information, 605 ( a ) ( 5 ) Reporting Limits for Closed Accounts, 604 ( a ) Permissible Purpose, 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure, and 607 ( b ) Maximum Possible Accuracy of CRA Procedures. I request a thorough reinvestigation and immediate correction of all disputed items to ensure my credit reports accurately reflect my true financial history and creditworthiness. 

Multiple addresses are inaccurately reported across the XXXX bureaus, including XXXX XXXXXXXX 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 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 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 XXXXXXXX XXXX These inaccuracies violate 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ), resulting in misattributed accounts, duplicated entries, and a misleading representation of my credit history. 

Numerous late-closed accounts and charge-offs are inaccurately reported, including XXXX XXXX XXXX XXXX XXXXXXXX ( {$130.00} ), XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( {$810.00} ), XXXX XXXX XXXX XXXXXXXX ( {$0.00} ) XXXX XXXX XXXXXXXX ( {$5.00} ), XXXXXXXX XXXX XXXX XXXX XXXX  ( {$210.00} ), XXXX XXXX XXXX XXXX {$700.00} ), XXXX XXXX XXXX XXXXXXXX ( {$150.00} ), and XXXX XXXX, which show discrepancies in balances, last activity dates, and payment histories across bureaus. Some charge-offs are tied to active accounts, while others are missing entirely in certain bureaus, including XXXX XXXX XXXX XXXX in Equifax XXXX XXXX XXXX XXXX XXXXXXXX and XXXX in Experian and TransUnion. These errors violate 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ), and must be corrected or updated to accurately reflect my true financial history. 

Furthermore, public records such as my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, are missing in Equifax. This omission violates 605 ( a ) and contributes to an incomplete and misleading representation of my credit profile. Additionally, unauthorized and outdated inquiries, including XXXX XXXX dated XX/XX/XXXX, have been reported in violation of 604 ( a ), 605 ( a ), and 611, and must be investigated, verified, and removed if found to be unauthorized or in violation of the FCRA.

Company response to consumer: Closed with explanation