Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear CFPB, I am submitting this complaint because my Equifax credit report contains multiple inaccurate items, including incorrect personal information, collections, and accounts I do not recognize. 
I have already reported and disputed these inaccuracies with Equifax, XXXX, and XXXX, and have included documentation of my disputes. However, the items remain or were verified without proper validation. 
The following personal data on my Equifax file is inaccurate along with TransUnion and Experian Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX, MS XXXX Deer XXXX XXXX, XXXX, MS XXXX Old XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Run Trl XXXX XXXX, XXXX, MS XXXX Old XXXX XXXX, XXXX, XXXX XXXX only correct current address is : XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect phone numbers : Any number other than my correct number XXXX should be removed.Incorrect or misspelled names and a possible mismatch with my Social Security number have been reported, which I did not authorize. XXXX or XXXX Collections The following collection accounts do not belong to me or have not been validated : XXXX. XXXX XXXX XXXX, L Original Creditor : XXXX XXXX XXXX XXXX Amount : {$130.00} Date of First Delinquency : XX/XX/XXXX Status : Unpaid I have no knowledge of this debt and never had any account with XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX Original Creditor : Mississippi XXXX XXXX Amount : {$740.00} Date of First Delinquency : XX/XX/XXXX Status : Unpaid I have no knowledge of this medical debt or related service. Also Accounts to Be Reviewed or Removed I have previously paid off or closed the following accounts, and they should be reported as Paid and removed from my credit report : is XXXX XXXX XXXX XXXX ( Acct ending * XXXX ) Paid and closed as of XX/XX/XXXX Lead Bank ( Acct ending * XXXX ) Paid and closed as of XX/XX/XXXX and XXXX XXXX Bank ( Acct ending * XXXX ) Paid in full. Any other accounts reported as delinquent but now paid in full should be permanently removed per the XXXX accuracy requirements and most importantly as well XXXX & Reporting Concerns, There have been inquiries and accounts opened under unknown or unverifiable companies, including : Unknown Miscellaneous and Finance inquiries, XXXX XXXX, Dish Wireless, and other companies I have not applied with I believe some of these inquiries and accounts XXXX be related to identity theft or mixed file errors.My Social Security number was incorrectly linked to some of these accounts, and I have filed disputes with all three credit bureaus. Steps I Have Taken are XX/XX/XXXX : Filed disputes with Equifax, XXXX XXXX XXXX  regarding inaccurate personal and account XXXX XXXX : Submitted supporting documents including ID, proof of address ( XXXX XXXX XXXX ), and phone verification.March XXXX : Contacted Equifax customer service to confirm reinvestigation ( Confirmation # XXXX ) XXXX XXXX : Followed up with individual creditors and collectors none could verify original signed contracts or billing statements.Despite these efforts, Equifax verified items that remain incorrect or unvalidated. Request for Action, Under the Fair Credit Reporting Act ( FCRA ), I request the following : 1.Remove all inaccurate addresses, phone numbers, and names from my credit file.2.Delete or correct all disputed collections that can not be verified with full documentation from the original creditor.3.Remove all paid and closed accounts that are negatively impacting my report.4.Provide a corrected copy of my full credit report once the updates are complete.i have done my due diligence to correct and verify my report through proper channels, but the bureaus and data furnishers have not resolved these issues. I am seeking the CFPBs assistance to enforce compliance with FCRA 609 ( a ) and 611 ( a ), requiring accurate reporting and timely correction of disputed items. 
This

Company response to consumer: Closed with non-monetary relief