Consumer complaint received 2025-11-12 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 filing this complaint because several inaccurate and unverified accounts, as well as unauthorized credit inquiries, are being reported on my credit report by multiple companies. These entries are seriously affecting my credit profile, and despite my attempts to resolve them through the credit bureaus, they remain uncorrected. 
Account DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$780.00} Date Opened : XX/XX/XXXX Dispute Reason : This account is inaccurately showing late payments. I have never made late payments on this account. Please correct the payment history to show on-time payments. 
XXXX Acct # XXXXXXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Dispute Reason : This account is incorrectly listed as a charge-off. I have no knowledge of this being charged off, and I request deletion if it can not be verified. 
XXXX XXXX Acct # XXXX XXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX Dispute Reason : Duplicate or incorrect charge-off entry. Please verify and remove any duplicate or unverifiable record. 
XXXX Acct # XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Dispute Reason : This account is reported as charged off. I have no knowledge of this debt and request deletion if not verifiable. 
XXXXXXXX XXXX Acct # XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrectly marked as charge-off. Please verify or delete this record. 
XXXX Acct # XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Dispute Reason : Account reported as charged off, which is inaccurate. Please remove if it can not be verified. 
XXXX Acct # XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Dispute Reason : Account showing charge-off status incorrectly. Please verify or delete. 
XXXX XXXX XXXXXXXX Acct # XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Dispute Reason : Account reported as charge-off, which I do not recognize. Request removal if unverifiable. 
XXXXXXXX XXXX Acct # XXXXXXXX XXXX  High Balance : {$730.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrect charge-off notation. Please investigate and correct. 
XXXX XXXX Acct # XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Dispute Reason : Duplicate or erroneous entry. Please verify and delete any inaccurate record. 
XXXX Acct # XXXXXXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrectly reported as a charge-off. Please investigate and remove if unverified. 

XXXX XXXX Acct # XXXXXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Dispute Reason : This account is incorrectly reported as a charge-off. I have no record or knowledge of this account being charged off. Please verify or delete if unverifiable. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$37000.00} Date Opened : XX/XX/XXXX Dispute Reason : The account shows late payments, which are inaccurate. I have always made timely payments. Please correct the payment history to reflect on-time payments. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Dispute Reason : This collection account is not recognized. Please verify ownership and validation, or remove it. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXX Dispute Reason : Inaccurate collection account. I do not recognize this debt. Please verify or delete if unverifiable. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Dispute Reason : This collection account is being reported in error. I have no knowledge of it and request deletion if not verified. 
XXXX XXXX Acct # XXXX XXXX  High Balance : {$2800.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrect collection account. I do not recognize or owe this debt. Please verify or delete. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$9100.00} Date Opened : XX/XX/XXXX Dispute Reason : I have no knowledge of this account or any rental debt. Please verify or delete if unverified. 
PXXXX XXXX Acct # XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Dispute Reason : Reported as a collection account, but I do not recognize this debt. Please verify or remove if it can not be confirmed. 
XXXX XXXX  Acct # XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Dispute Reason : Another collection account that appears to be inaccurate or possibly a duplicate. Please investigate and delete if unverifiable. 
XXXX XXXX Acct # XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Dispute Reason : Reported as a collection, but I have no knowledge of this debt. Please verify or remove it if it can not be validated. 
Inquiry Disputes These inquiries were made without my knowledge or authorization. They appear to be unauthorized and should be removed from my credit file immediately. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Dispute Reason : These inquiries were not authorized by me. I did not apply for credit with these entities. Please remove all unauthorized inquiries from my credit report. 
Requested Resolution : I request that the CFPB require the credit bureaus and data furnishers to : Conduct a full reinvestigation of all listed accounts and inquiries. 
Provide me with documented proof and validation of each account. 
Delete any unverifiable or unauthorized information from my credit report. 
Summary : These inaccurate and unauthorized items are harming my credit standing and causing financial distress. I am requesting the CFPBs assistance to ensure the furnishers and credit reporting agencies comply with all provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief