Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because multiple accounts are being reported inaccurately on my credit report. These accounts are showing charge-offs, collections, and late payments that I have no knowledge of and never authorized. I am requesting a full investigation and immediate correction or deletion of all inaccurate information because these items are harming my credit profile and causing financial damage. Under the FCRA, all reporting must be accurate, verifiable, and from accounts that belong to me. These items fail that requirement. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$2700.00} Date Opened XX/XX/XXXX This charge-off is not mine, I never had any account with this company and I request deletion for unverifiable reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX This charge-off is unknown to me, I never opened or used this account and it must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$680.00} Date Opened XX/XX/XXXX This account is falsely reporting as a charge-off and I have no record of ever having this account XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$1800.00} Date Opened XX/XX/XXXX This charge-off does not belong to me and the creditor can not verify my identity or authorization XXXX XXXX XXXX XXXX XXXX High Balance {$680.00} Date XXXX XX/XX/XXXX I have no knowledge of this account and it is reporting inaccurately as a charge-off XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$18000.00} Date Opened XX/XX/XXXX This late payment reporting is completely wrong because I never missed any payments on any account with this lender XXXX XXXX XXXX XXXX XXXX  High Balance {$120.00} Date Opened XX/XX/XXXX This collection is not mine and I never received any communication or validation for this alleged debt XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$820.00} Date Opened XX/XX/XXXX This collection account is inaccurate and I did not authorize or create it XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$710.00} Date Opened XX/XX/XXXX This collection is unverifiable because I have no knowledge of this debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$680.00} Date Opened XX/XX/XXXX This collection is reporting incorrectly and I never opened any account with this company XXXX XXXX XXXX XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX I do not recognize this collection and it is harming my credit unfairly XXXX XXXX XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX This collection account is false and was never mine XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$420.00} Date Opened XX/XX/XXXX This charge-off is incorrect because I did not own or use this account XXXX XXXX XXXX XXXX XXXX High Balance {$420.00} Date Opened XX/XX/XXXX I have no record of this account and it is being reported incorrectly XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$850.00} Date Opened XX/XX/XXXX This collection account is inaccurate and must be removed XXXX XXXX XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX This collection is not mine and no proof of ownership has ever been provided I am requesting the CFPB to review these inaccurate entries, require the furnishers to provide full verification, and remove all unverifiable, incorrect, or fraudulent items immediately as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief