Consumer complaint received 2025-11-06 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several companies and data furnishers who have reported inaccurate, unauthorized, and unverifiable information to the credit bureaus under my credit file. These entries have caused serious harm to my credit reputation and financial standing. 
Below are the specific items in question : THE FOLLOWING ADDRESSES ARE WRONG AND MUST BE REMOVED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX CT XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses have no relation to me, and I never lived or received mail at any of them. Their continued appearance is damaging and raises identity concerns. As per FCRA 1681i ( a ) ( 5 ), remove all of them immediately.

THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AND MUST BE INVESTIGATED OR DELETED : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$320.00} | Status : Charge Off * * I have no knowledge of this account or any charge-off. No agreement, billing statement, or validation has been provided. Please delete immediately under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$11000.00} | Status : Charge Off * * No contract or documentation connects me to this account. The reporting of this alleged charge-off is unverifiable and misleading. Delete or fully verify per FCRA 1681b ( a ) ( 2 ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off XXXX XXXX I have no relationship or agreement with this company. No validation was provided. This XXXX indicate identity misuse. Remove this immediately. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4900.00} | Status : Charge Off XXXX XXXX  I dispute this entire account. No valid evidence exists proving this debt is mine. Continued reporting violates FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX, XXXX Acct # XXXX * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment * * I have never made a late payment on this account. Reporting me as delinquent is inaccurate and must be corrected under FCRA XXXX ( a ). 
XXXX Acct # XXXX * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment * * This is falsely reported as late. I have always paid on time, and there is no valid proof supporting this status. Update to reflect timely payment history. 
XXXX XXXX, XXXX Acct # XXXX * | Date Opened : XX/XX/XXXX | Balance : {$5000.00} | Status : Late Payment * * The late payment record is inaccurate and unsupported. XXXX has failed to verify accuracy. Must be updated or deleted immediately. 
XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * I dispute this account in its entirety. I have no business relationship or financial agreement with this company. There is no contract, payment history, or correspondence validating it. The presence of this item violates FCRA 623 ( a ) ( 1 ) ( A ). Please delete it immediately. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * This appears to be a duplicate or false entry connected to XXXX XXXX XXXX. I have no record of this account, and it can not be verified as mine. Duplicate or unverifiable accounts must be deleted under FCRA 611 ( a ) ( 5 ). 
XXXX XXXXXXXX XXXX XXXX Acct # XXXX * | Date Opened : XX/XX/XXXX | Balance : {$140.00} | Status : Collection * * I have no record or notice from this agency. This collection account was reported without prior validation or any original creditor documentation. Reporting unverified debt is a direct violation of FCRA 807 ( 8 ) and FDCPA 809 ( b ). Please delete immediately. 
FAIR COLLECTIONS & OUT Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Status : Collection * This collection is being reported without proper verification or notice of debt validation. I never received any correspondence regarding this alleged account. It must be deleted under FCRA 1681i ( a ) ( 5 ) and FDCPA 809 ( b ). 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$110.00} | Status : Charge Off * * have never held or authorized this XXXX XXXX account. There is no contract, billing record, or payment history to prove it belongs to me. Continued reporting of unverified information violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and must be deleted immediately. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * This account shows a {$0.00} balance yet is listed as a charge-off, which is factually inconsistent and misleading. There is no validation or record linking this account to me. It must be deleted under FCRA 1681e ( b ) for accuracy. 
Unknown Account Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Collection * * This is an unknown and unauthorized collection account. I have no record, notice, or agreement tied to this account. Reporting such unverifiable data violates FCRA 611 ( a ) ( 1 ) and FDCPA 809 ( b ). Please remove it immediately. 
UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES The following inquiries were made without my permission or any legitimate credit application. I have no knowledge of these entities accessing my report, and no written consent was ever provided. Reporting unauthorized inquiries violates FCRA 604 ( a ) ( 2 ). 
XXXX XX/XX/XXXX Unauthorized Inquiry XXXX TX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX K XXXX XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Under FCRA 611 ( a ), you are legally obligated to perform a reasonable reinvestigation of these items within 30 days of receiving this letter. If any information can not be verified through original source documentation, it must be deleted immediately. Additionally, per FCRA 609 ( a ) ( 1 ), I am requesting that you provide all documentation and records used to verify the above accounts and inquiries.

Requested Action : I am requesting the CFPB to conduct a full investigation into these inaccurate and unauthorized items. Please ensure that the data furnishers and credit bureaus provide proper verification, proof of permissible purpose, and legal documentation for each account and inquiry. If they can not substantiate these entries with verifiable evidence, I request their immediate deletion from all consumer reporting agencies. 
This complaint is being filed under the protections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I expect a thorough investigation and written confirmation once this matter has been resolved. 
Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with non-monetary relief