Consumer complaint received 2025-11-21 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:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint because multiple inaccurate, unverified, and unauthorized items are being reported on my credit reports by the credit bureaus and several furnishers. These accounts do not belong to me, many are fraudulent, others are duplicated, and several hard inquiries and bankruptcies were never authorized. I have repeatedly disputed these items, but the credit bureaus have continued to report them without proper verification, violating FCRA 602, 607, 609, 611, and 615. I am requesting a full investigation into these furnishers and the credit bureaus for failing to provide lawful validation and for continuing to report false information that is harming me financially. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I never lived at this residence nor used it for employment, banking, loans, or any official documentation. No mail, no lease, no bills, no connection. This address has been added without my permission and is a serious accuracy violation. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never resided here, nor have I provided this address to any institution. This is a clear case of file misassociation and damages the integrity of my report. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This XXXX XXXX XXXX never been mine. I did not open, rent, or use this mailbox. There is XXXX connection between me and this location. This must be deleted as it is completely incorrect. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I was never a tenant or resident at this apartment. I do not know who lives here and do not authorize this address to appear anywhere on my credit file. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This location is unfamiliar to me and has never been tied to my identity, documentation, or records. Keeping it on my report violates the FCRA 's requirement of accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is a completely false address. I never lived there or used it on any official forms. This wrong entry must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my residence. I have never stayed here, and this inaccurate address creates confusion and impacts my identity verification. Remove immediately. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have no relationship with this place. No bills, no lease, no job, no personal history. This is an unauthorized and harmful error on my report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off I do not recognize this account and have no memory of ever opening any XXXX account. I request the original signed application, full payment history, account statements, and proof of ownership. Without proper documentation, this must be deleted immediately because you can not report a charge-off that can not be proven. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Charge Off I dispute this account due to lack of knowledge, lack of contract, and lack of documentation connecting me to this debt. I need complete proof including contract copies, payment history, itemized statements, and identity verification. If the account can not be fully verified, delete it immediately. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Charge Off This is not my account. I never opened or authorized it. I am requesting evidence including application history, account transactions, and any proof tying this account to me. Without solid verification, this is inaccurate and must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * I am disputing this account because I have no knowledge of ever opening XXXX XXXX XXXX XXXXXXXX account XXXX I never applied for this credit line, never activated it, and never used it. I request full verification including the original signed application, billing statements, identity verification documents, and transaction records. If you can not provide complete documentation, this charge-off must be deleted immediately under FCRA XXXX for unverifiable reporting. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account is not mine. I have no connection with XXXX XXXX and never authorized any credit line with them. I demand that you produce all account-level documentation including the contract, application, payment history, and identity confirmation. If you can not verify the account with original signatures and evidence, it must be removed from my file as inaccurate information. 
XXXX XXXXXXXX XXXX  Date Opened : XXXX/XXXX/XXXX Balance Owed : {$0.00} Charge Off * * I do not recognize this account and dispute it entirely. XXXX XXXX has never been part of my financial history. Please provide legal proof that I opened or used this account, including signed agreements and complete transaction summaries. Without proper verification, this entry must be deleted for factual inaccuracy. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Charge Off * * I dispute this account as I have no record or memory of ever financing a vehicle through XXXX XXXX XXXX XXXX under this account number. I request full documentation including original loan agreements, payment records, VIN details, identity validation, and any evidence connecting me to this auto loan. If you can not verify all these documents, the reporting of this charge-off is unlawful and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This late payment reporting is inaccurate. I never made any late payments on this account, nor did I ever receive any notice of delinquency. I request validation of the payment history with timestamped records, original account statements, and date-specific billing. If you can not produce accurate proof, this late payment history must be corrected immediately to reflect an on-time status. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} Collection * * I dispute this collection account. I have no knowledge of this debt and never received any prior notice validating it. I request full validation including the original creditors information, proof of assignment, itemized breakdown of the alleged balance, and signed evidence linking this debt to me. Without full validation, this item must be deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Collection * * This collection account is disputed because I do not recognize it. I demand proper verification including proof of ownership, original creditor documentation, and complete account statements. If you fail to validate this account as required by federal law, it must be removed for inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection * * I dispute this collection because I have no record of any outstanding debt owed to this agency or the original creditor. Provide proof of the debt, proof of assignment, and documentation linking this account to me. If you can not validate, remove immediately for non-compliance with FCRA and FDCPA standards. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection * * I dispute this XXXX  account. XXXX XXXX is reporting a debt that I do not recognize nor acknowledge. I request the original contract, chain of title, itemized balance, and identity verification. Without proper validation, this collection must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$460.00} Collection * * This is another XXXX  account I dispute as inaccurate. I need complete proof showing this debt belongs to me, including all supporting documents from the original creditor. If you can not validate, delete this immediately for inaccurate reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I dispute this charge-off because I never opened or authorized any account with XXXX. I request validation including the original signed application, billing history, payment records, and documentation tying this account to my identity. If proper verification can not be produced, this charge-off must be removed under FCRA XXXX XXXX to unverifiable reporting. 
XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Court : XXXX XXXX XXXX  I dispute this bankruptcy reporting because it is not mine and has been added in error. I never filed this case and demand evidence including signed petitions, schedules, trustee records, and court docket confirmations. Without proper legal validation, this entry must be deleted immediately. 
INQUIRY DISPUTES ( HARD INQUIRIES ) ( Each one does not belong to you and should be removed. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized and is being disputed. I never applied for any credit with this lender. Delete immediately. 
XXXX XXXXXXXX XX/XX/XXXX Inquiry I did not authorize this inquiry nor apply for financing with XXXX XXXX. This must be removed as an unauthorized pull. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not approved by me. I dispute it and request immediate removal for lack of authorization. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I never applied for credit with XXXX XXXX XXXX. This hard inquiry is unauthorized and must be deleted immediately. 
WHAT I AM REQUESTING FROM CFPB I request that the CFPB investigate the credit bureaus and furnishers for reporting unverified and fraudulent accounts, failing to supply required documentation, and continuing to list bankruptcies, collections, charge-offs, and inquiries that do not belong to me. 
I want all the following items removed immediately : the XXXX XXXX collections, the XXXX charge-off, all three bankruptcy entries, and all the unauthorized inquiries listed above. These items are causing financial harm, blocking approvals, and damaging my credit profile unfairly. 
I certify that all information in this complaint is true and accurate to the best of my knowledge and request immediate CFPB intervention to ensure my consumer rights under the FCRA are enforced.

Company response to consumer: Closed with non-monetary relief