Consumer complaint received 2025-11-24 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 CFPB Representative, I am submitting this complaint because multiple companies and credit bureaus are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. I have already disputed these items with the credit bureaus, but the issues remain unresolved. These inaccurate items are negatively impacting my creditworthiness. 
Below are the specific issues : Wrong / Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address This address has no connection to me whatsoever. It is harming the accuracy of my report. I demand immediate deletion under FCRA 607 ( b ). 
Inaccurate Accounts ( Each account below is inaccurate, unverified, or reported incorrectly. I demand a full reinvestigation and removal if you can not provide complete, original, legally verifiable documentation. ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge Off This account is being reported as a charge-off, which is entirely false and unsupported. I have no record, no contract, and no documentation showing I ever owed or defaulted. If you can not provide the signed contract and full payment history, REMOVE IMMEDIATELY. 
XXXX XXXX  Acct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Charge Off I dispute this account in full. I have no knowledge of this alleged debt, and the reporting is incomplete and inaccurate. Provide full validation including the signed contract and complete ledger. If it can not be verified, DELETE the account. 
XXXX XXXX Acct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Charge Off This account is being reported as a charge-off even though I have no confirmed documentation of owing this amount. The reporting is unverified, inaccurate, and misleading. Remove this account unless you can validate it with full original documentation. 
XXXXXXXX XXXX XXXX  Acct : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Charge Off This is an unverified and inaccurate auto account. I do not acknowledge this balance, and the charge-off status is incorrect. Produce the original signed retail installment contract, payment history, and charge-off calculation. If you can not, REMOVE under FCRA. 
XXXX XXXX Acct : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9400.00} Status : Charge Off This reporting is inaccurate and unverifiable. There is no documentation proving delinquency or default. This account must be removed unless full validation is provided. 
XXXX Acct : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$840.00} Status : Collection I have no knowledge of this collection account. There is XXXX contract, XXXX communication, and XXXX validation. This is a direct violation of FCRA and FDCPA standards. DELETE the collection account immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Collection I dispute this account in full. I have never received proof of ownership, assignment, chain of custody, or any original agreement. Without complete validation, this account is unverified and must be removed. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Status : Collection This reporting is false and unsupported. I never authorized or recognized this account. Unless you can provide a complete chain of title, original agreement, and full payment history, this item must be deleted. Unvalidated collection reporting is a direct violation of FCRA 607 ( b ). 
Unauthorized / Hard Inquiries ( Not Permissible Purpose ) The following hard inquiries were NOT authorized by me and do not meet FCRA 604 ( a ) permissible purpose requirements. I demand immediate deletion if you can not produce signed, undeniable proof that I applied for credit with these entities. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unauthorized. I never applied for credit with this company. Remove immediately. 
XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with this entity. Remove immediately if not fully validated. 
XXXX Inquiry Date : XX/XX/XXXX This is yet another unauthorized pull by XXXX. Since no permissible purpose exists, delete immediately. 
FINAL NOTICE FCRA Violations by the Credit Bureaus Despite my formal disputes, the credit bureaus failed to : Conduct a reasonable reinvestigation ( FCRA 611 ) Maintain maximum possible accuracy ( FCRA 607 ( b ) ) Provide verification or documentation Remove unverifiable information These failures are harming my credit scores, limiting my ability to obtain housing, transportation, and credit, and causing emotional and financial stress. 
Requested Resolution I respectfully request that the CFPB require : XXXX. Removal of all unverifiable collection accounts listed above. 
XXXX. Removal of all unauthorized hard inquiries listed above. 
XXXX. A full and fair investigation from the credit bureaus and furnishers. 
XXXX. Written confirmation once corrections are completed. 
Thank you for reviewing my complaint. 
I request swift action to correct these violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief