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: LA

Complaint narrative:
I am submitting this complaint because my credit reports are showing several inaccurate collection accounts and an unauthorized inquiry that do not belong to me. These errors are violating FCRA requirements for accurate and verifiable reporting. I have no knowledge of these accounts, never opened them, and never authorized the inquiry. These wrongful entries are damaging my creditworthiness and causing financial harm. 
Wrong Address XXXX XXXX, XXXX, LA XXXX is not my address and never belonged to me and should be deleted immediately because reporting wrong personal information violates FCRA 609 ( a ). 

Wrong Address XXXX XXXX, XXXX, LA XXXX is not my address and should be removed because I have no connection to this location, and continuing to report it is harming me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance {$550.00} Date Opened XX/XX/XXXX Charge Off This account is also unknown and not mine. No contract signed by me exists, and no verifiable documentation can link me to this account. This must be deleted for failure to verify under FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$390.00} Date Opened XX/XX/XXXX Late Payment This late payment is being reported incorrectly because I never made any late payments on this alleged account. The payment history is inaccurate, incomplete, and not consistent with my records. I am requesting correction of the payment history to show accurate reporting as required by FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$390.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account. It is not mine, I never opened it, and no verifiable documentation exists. This is inaccurate and must be removed. 

XXXXXXXX XXXX XXXX XXXX High Balance {$13000.00} Date Opened XX/XX/XXXX Charge Off This account is completely unknown and not mine. This appears to be mixed file or identity confusion, and you are required to delete it if it can not be verified through lawful documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment I never made any late payments on this account and the late payment reporting is incorrect. You are required to show accurate data only, and this information is wrong and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX High Balance {$520.00} Date Opened XX/XX/XXXX XXXX I have no knowledge of this account and never had any financial relationship with this creditor. This appears to be an inaccurate and unverified collection account. Under FCRA 609 ( a ) ( 1 ) ( A ) provide full verification or delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Collection I never opened or authorized this account. This collection is not mine and is damaging my credit file. There is no contract, no authorization, and no relationship linking me to this debt. Remove immediately for failure to verify. 

I am requesting CFPB assistance to have these inaccurate collection accounts and the unauthorized inquiry fully investigated and removed from my credit reports. They are harming my credit profile, impacting my financial opportunities, and causing ongoing stress. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief