Consumer complaint received 2025-11-14 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:
I am submitting this complaint because my credit report is showing multiple inaccurate collection accounts and unauthorized inquiries that do not belong to me. I have already disputed these items with the credit bureaus, but they remain uncorrected. I am requesting CFPB assistance to have these inaccurate items fully investigated and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address does not belong to me. I was never a resident here. Remove this immediately under FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This location is completely unrelated to me. Reporting this false address places my identity at risk. Please delete it. 
XXXX XXXX XXXX High Balance : {$280000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX I have no knowledge of this account, never opened any account with this creditor, and no contract or agreement exists between me and this company. This appears to be a case of mixed file or incorrect data reporting. Please delete this account entirely. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$590.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This account is incorrectly reported. I never opened this account nor authorized it. No proof of ownership exists. Please delete under FCRA 611. 
XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This account does not belong to me. I dispute the entire reporting and request deletion because the information is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX I do not recognize this account and never had any financial relationship with this lender. Please remove the account as it is inaccurately reported. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This account is being inaccurately reported. I do not have any loan or financial obligation with this creditor. Please delete the account. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This late payment is incorrect. I never made any late payment because I never owned this account. Please correct the payment history or remove the account if verified inaccurate. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  I dispute this entire account as I do not recognize it. I never applied for or opened this account. Please remove it. 
XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX The late payments reported are inaccurate. I did not make late payments, and this reporting is causing serious damage. Please correct the payment history to reflect accurate information. 
XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  I dispute this collection. I have no knowledge of the original creditor, no contract, and no debt owed. Please delete this entry entirely. 
XXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  I do not recognize this debt. XXXX is inaccurate and unverifiable. Requesting full deletion. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  This account is also not mine, and I dispute its accuracy. No records connect me to this debt. Please delete it. 
XXXX XXXX XXXX XX/XX/XXXX This is also an unauthorized inquiry. I never gave permission for this company to access my credit file. Please delete this inquiry under FCRA permissible purpose requirements. 
These inaccurate accounts and unauthorized inquiries are harming my credit profile and violating the FCRA requirements under sections 602 ( A ), 607 ( B ), and 611. I am requesting CFPB intervention to ensure full investigation and removal of these items from my credit reports. 
Thank you for your assistance.

Company response to consumer: Closed with explanation