Consumer complaint received 2025-11-18 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 the Consumer Financial Protection Bureau, I am filing this complaint because multiple companies and credit bureaus have reported inaccurate, unauthorized, duplicated, and unverifiable information on my credit reports. These accounts and inquiries do not belong to me, are reporting wrong balances, and have severely damaged my credit standing. I am requesting CFPBs intervention to investigate, enforce compliance, and require correction or deletion of all inaccurate entries under the Fair Credit Reporting Act ( FCRA ), including 602, 604, 607 ( b ), 609, 611, and 623. 
Below are the disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX WRONG ADDRESS This Florida address has no connection to me. This is harmful wrong reporting. Delete under FCRA accuracy rules. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS I was never associated with this location. This is mixed-file activity and must be removed immediately. 
ACCOUNT DISPUTES XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$24000.00} * * Duplicate reporting of the same unknown account is a violation of FCRA 607 ( b ). I do not recognize this account. Remove immediately. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$750.00} * * I have no knowledge of this account. The reporting is inaccurate, outdated, and unverifiable. Provide full validation or delete. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$480.00} * * This is not my account. I never made any late payments, never opened this line, and it must be deleted for inaccuracy. 
XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * This account is wrongly reporting a charge-off, even though the balance is {$0.00}. This is a knowingly inaccurate reporting and violates FCRA 607 ( b ). Remove the entire account. 
XXXX XXXXXXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$310.00} * * This late payment reporting is false. I never missed any payment. Correct the payment history to Paid On Time Never Late. 
XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * The late payment is incorrect. I maintained on-time payments during the entire period. Correct the history. 
XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * The reported late payment is inaccurate. I dispute this entry and request correction to reflect an on-time payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * This late payment is wrong. I never made any late payments. Please correct immediately under FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Duplicate late payment reporting. This is inaccurate. Correct to never late. 
XXXX XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$1300.00} * * I do not recognize this account. Provide validation or delete for failure to verify. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1300.00} * * I have no knowledge of this account. I never opened or authorized it. This reporting is inaccurate and unverifiable. Delete immediately under FCRA 611. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$740.00} * * This debt is not mine and appears to be a recycled or purchased account with no verified documentation. Provide full validation or delete. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1900.00} * * I dispute this account entirely. I never had any account with this creditor. This is inaccurate and must be deleted due to failure of verification. 
XXXX XXXXXXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * A charge-off with a {$0.00} balance is illegally reporting and misleading. This is knowingly harmful inaccurate reporting. Delete immediately. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$910.00} * * I do not recognize this account. XXXX is reporting duplicate and unverifiable items. Remove for failure to validate. 
XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$3400.00} This is not a consumer credit account and should not appear on a credit report. I have no record of this account. Delete for violation of FCRA 605. 
HARD INQUIRY DISPUTES ( You did NOT authorize remove immediately ) XXXX XXXX XX/XX/XXXX Inquiry No authorization was given. This is a violation of permissible purpose. 
XXXX XXXX XX/XX/XXXX Inquiry I did not seek any auto loan with XXXX XXXX. Remove this inquiry. 
SUMMARY OF ISSUES The problems include : Accounts that do not belong to me Duplicated collection accounts Charge-offs reporting incorrect balances Unauthorized hard inquiries Failure to verify accounts when disputed Violations of FCRA 604, 607 ( b ), 609, 611, and 623 These errors are causing major financial harm, denial of credit, and emotional distress. I am requesting CFPB to force the credit bureaus and data furnishers to : 1. Provide complete validation for every reported account 2. Remove all unverifiable, inaccurate, or duplicate items 3. Delete all unauthorized inquiries 4. Correct late payment histories that are reporting inaccurately 5. Ensure compliance with federal consumer protection laws REQUEST FOR CFPB ACTION I am requesting that CFPB : Open a formal investigation Contact the data furnishers and credit bureaus Demand documentation proving the accuracy of each account Require immediate correction or deletion of all reporting errors Enforce penalties for repeated FCRA violations Thank you for your assistance. I am submitting all supporting documents with this complaint.

Company response to consumer: Closed with explanation