Consumer complaint received 2025-11-17 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:
This complaint is being filed to address extensive and ongoing inaccuracies, conflicts, and misreported information across all three major credit bureausExperian, Equifax, and XXXXthat continue to distort my identity and credit history in violation of numerous provisions of the Fair Credit Reporting Act ( FCRA ), including 602, 603, 604, 605, 607, 608, 609, 611, and 623. My consumer file contains multiple inaccurate addresses, including XXXX XXXX XXXX, XXXX XXXX, IL appearing in Experian and TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL appearing in Equifax and TransUnion, none of which belong to me, thereby violating FCRA 602 ( a ), 603 ( d ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ) regarding the maintenance of accurate, complete, and identifiable personal information. My reports also show late-closed accounts, including Affirm Inc. accounts XXXX and XXXX with {$0.00} balances in Experian, and XXXXXXXX XXXX XXXX  XXXX ) reported differently across all three bureaus, violating FCRA 602 ( a ) ( 2 ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consistent and accurate reporting. In addition, several charge-off accounts from XXXX, XXXX, XXXX, and XXXX only in Experian or inconsistently across other bureaus, representing incomplete and misleading reporting that violates 602 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). The accounts associated with 1099-C cancellation-of-debt forms are also inaccurately and contradictorily reported : XXXX XXXX ( {$23000.00} ) appears across all bureaus, XXXX XXXX Systems ( {$820.00} XXXX varies significantly among bureaus, and XXXXXXXX XXXX  ( XXXX ) is reported with two conflicting balances {$3700.00} and $ XXXXdepending on the bureau, in violation of FCRA 602 ( a ), 605 ( a ), 607 ( b ), 608 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 623 ( a ) ( 3 ), which require accurate reporting of discharged debt. The repossession account from XXXX XXXX {$10000.00} ) shows inconsistent statuses and dates across all three bureaus, misrepresenting my payment and repossession history and violating 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). My collection accounts are also reported inaccurately and inconsistently : Experian lists XXXX XXXX ( XXXX ) for XXXX XXXX {$150.00} ), Equifax lists XXXX XXXX ( XXXX ) for XXXX XXXX XXXX ( {$0.00} ), and TransUnion lists XXXX XXXX ( XXXX ) for {$120.00}, creating the false appearance of multiple collections and violating 602 ( a ) ( 2 ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ). Further, my inquiry history is inconsistent across Experian, Equifax, and TransUnion, including inquiries from XXXX XXXX XXXX, XXXX, XXXX, and XXXXXXXX XXXX with discrepancies regarding dates, furnishers, and permissible purpose, violating 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and the permissible-purpose standard under 604 ( a ) ( 3 ). These widespread reporting failuresspanning personal identifying information, account statuses, charge-offs, cancelled debts, repossessions, collections, and inquiriesdemonstrate systemic noncompliance with the FCRA and continue to cause significant harm to my creditworthiness, financial stability, and personal identity.

Company response to consumer: Closed with non-monetary relief