Consumer complaint received 2025-12-03 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, I am filing a formal complaint regarding multiple inaccurate and unlawful entries reporting on my consumer credit files. I am requesting a full investigation and immediate correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including but not limited to 1681e ( b ) ( maximum possible accuracy ), 1681i ( reinvestigation requirements ), and 1681s-2 ( furnisher responsibilities ). 
The following accounts are being reported inaccurately. I have no knowledge of any charge-off or collection accounts, and late payments are being reported incorrectly as I did not make late payments. I request a full investigation and removal/correction. 
DISPUTED ACCOUNTS XXXX Acct : XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Status Reported : Charge Off Issue : I have no knowledge of this account. Reporting is inaccurate and violates FCRA 1681e ( b ). Please delete. 
XXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status Reported : Charge Off Issue : I do not recognize this account. Reporting is inaccurate. Request deletion. 
XXXX XXXX Acct : XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Reported : Charge Off Issue : Unknown account. Reporting false. Request deletion. 
XXXX XXXX Acct : XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Reported : Charge Off Issue : I have no knowledge of this account. Please delete for inaccuracy. 
XXXX XXXX Acct : XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Reported : Charge Off Issue : Not my account. XXXX violates FCRA. Request deletion. 
XXXX Acct XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Reported : Late Payment Issue : Late payments are incorrect. I did not make late payments. Request correction of payment history. 
XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Reported : Late Payment Issue : Late payment reporting is inaccurate. Request correction. 
XXXX Acct : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported : Charge Off Issue : I have no knowledge of this account. Request full deletion. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Reported : Charge Off Issue : Not my account. Must be deleted. 
XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$39000.00} Date Opened : XX/XX/XXXX Reported : Late Payment Issue : Late payment reporting is wrong. Request correction. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : I do not recognize this debt. Request removal. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : Unknown account. Request deletion. 
XXXX XXXX Acct : XXXX High Balance : {$70.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : Not my account. Must be deleted. 
XXXX XXXX  Acct : XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : I have no knowledge of this debt. Please remove. 
XXXX XXXX Acct : XXXX- High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : This account is not mine. Request deletion. 
XXXX XXXX Acct : XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Reported : Collection Issue : I do not recognize this account. Reporting is inaccurate. Please delete.

I am requesting a full reinvestigation and correction within the time required by law. Please provide written results once your investigation is complete. 
Thank you.

Company response to consumer: Closed with non-monetary relief