Consumer complaint received 2025-10-09 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:
XXXXI am filing this complaint because my credit report is showing multiple false collection accounts and unauthorized inquiries that I never approved, authorized, or had any connection to. These inaccurate entries have seriously affected my credit score and my ability to obtain credit and financial stability. Despite having no relationship with these companies, they continue to appear on my report as if I owed them money, which is absolutely untrueXXXXThe address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not mine and should not appear in my file. I have never resided or received any correspondence at this location. Maintaining false address information misrepresents my identity and creates potential risk for identity confusion. Under FCRA 623(a), information providers must report accurate data only, and since this cannot be verified, it must be deleted.XXXXThe address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is another error that must be removed immediately. I have no personal or financial association with this property. Keeping this address violates FCRA 605B since inaccurate data must be corrected or removed once disputed. These false addresses must be permanently deleted from my record to preserve accuracy and protect my personal identityXXXXMoving on to account inaccuracies, the account XXXX XXXX XXXX XXXX is falsely showing late payments. This is incorrect. I have never made late payments with this creditor, and such reporting is a direct violation of FCRA 623(a)(1)(A) which prohibits furnishers from reporting inaccurate information. I have always maintained my payments on time, and this entry has clearly been reported in error. This false reporting has significantly hurt my credit profile and must be corrected immediately to reflect an on-time payment history.XXXXThe account XXXX XXXX XXXX, with a balance of XXXX  and opened on XXXX, is also falsely showing a late payment. I have maintained good standing with this creditor, and this negative reporting is completely inaccurate. Under FCRA 611(a), I have the right to dispute and demand reinvestigation of such false data. I expect this late payment notation to be removed or corrected immediatelyXXXXThe account XXXX XXXX, with a high balance of $3,000 opened on XXXX is reported as a charge-off, which is completely inaccurate. I have no knowledge of this account or any relationship with this creditor. This appears to be an error or potentially fraudulent account that was never authorized by me. Under FCRA 611 and 605B, any unverifiable or inaccurate account must be deleted immediately. I am requesting permanent deletion of this charge-off account from my credit file.\nThe account XXXX XXXX XXXX opened on XXXX with a high balance of XXXX is also listed as a charge-off. I have no knowledge of this account whatsoever. I have never had any business relationship or financial agreement with this company. This is a false, unverifiable account that should not exist in my file. Reporting unverified data violates FCRA 623(a)(1)(B), and I am demanding that this account be permanently deletedXXXXThe collection account XXXX XXXX XXXX, with a high balance of XXXX and opened on XXXX, is being falsely reported. I have no knowledge or record of ever doing business with this company, authorizing credit, or owing any debt to them. This account is unverified and must be deleted immediately. Under FCRA 605B and 623(a), any unverifiable or inaccurate collection must be permanently removed from a consumers credit reportXXXXThe account TSI/940 472880 with a high balance of XXXX opened on 1XXXX is also a completely false collection report. I have no history or financial relationship with this company and have never authorized any account or credit line with them. This reporting violates FCRA 607(b) which requires accurate and verifiable information. Since this cannot be verified, I demand deletion of this entry without delay.XXXXThe account XXXX XXXX XXXX XXXX, opened on XXXX  with a reported balance of XXXX is another false collection account that I have no knowledge of. I have never received any validation or documentation proving this debt exists. Reporting this information violates FCRA 602 and 611, which give me the right to accurate reporting and dispute verification. I am requesting permanent deletion.XXXXIn addition to these false collection accounts, there are multiple unauthorized inquiries on my report that I did not approve. These inquiries were made without my written consent and therefore violate FCRA 604(a)(2), which clearly states that a credit inquiry can only be made with the consumers permission or for a permissible purpose.\nThe following inquiries must be deleted immediately as they were never authorized by meXXXX XXXX XXXX XXXX XXXXI have never applied for credit with these companies nor given consent for these inquiries. Their presence on my report is a direct violation of my rights under the Fair Credit Reporting Act, which prohibits unauthorized access to consumer credit data. Each of these inquiries must be permanently removed to protect my credit history and identity.\nI have attempted to resolve these issues directly with the credit bureaus, but the results have been unsatisfactory. I have not received proper investigation updates, validation documents, or evidence confirming these entries were legitimate. These false and unauthorized entries have caused me significant emotional distress and financial harm, and they continue to reflect negatively on my credit profile even though they are inaccurate.\nI am requesting the Consumer Financial Protection Bureau (CFPB) to investigate this matter and hold these companies and the credit reporting agencies accountable for violating the Fair Credit Reporting Act (FCRA). I want the following resolutions:XXXXXXXXImmediate deletion of all false collection accounts listed above.XXXXXXXXPermanent removal of all unauthorized credit inquiries listed above.XXXXXXXXWritten confirmation that all inaccurate information has been deleted and that no further unverified data will be reinserted.XXXXInvestigation into how these items were placed on my file without proper authorization or validation.XXXXI am attaching supporting documentation, including my identification and address verification, to confirm my identity. I respectfully ask the CFPB to ensure these violations are properly addressed, and that these inaccurate, damaging items are removed from my credit report permanently.XXXXThank you for your time and assistance in protecting my consumer rights.'

Company response to consumer: Closed with non-monetary relief