Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint regarding serious and ongoing issues with all XXXX  major credit reporting agencies : XXXX, Equifax, and XXXX. I believe these companies have mishandled my personal information, failed to accurately report my credit history, and neglected to properly investigate my disputes all of which are in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Issues : XXXX. Unauthorized Inquiries and Accounts There are numerous hard inquiries and accounts listed on my credit reports that I did not authorize or open. 
I have reason to believe my personal information may have been accessed or shared without my consent, or without proper verification by the credit reporting agencies. 
I have XXXX total inquiries, of which I only authorized XXXX : XXXX, XXXX XXXX, and XXXX XXXX. The rest should be removed immediately. 
XXXX. Dispute Process Ignored or Mishandled I have filed multiple disputes with all three bureaus many over XXXX times to correct inaccurate information. 
While some items have been removed, many still remain, and I have not received proper responses or valid explanations from the credit bureaus. 
I have contacted the original creditors directly and many have no record of the accounts or inquiries listed, proving the information is inaccurate or fraudulent. 
XXXX. Inaccurate and Fraudulent Accounts Please review the following accounts which contain false, outdated, or inconsistent information : XXXX XXXX XXXX XXXX XXXX accounts ) Reporting dates and payment histories are incorrect. 
This account was already removed by XXXX due to errors, but remains on Equifax and XXXX. 
These accounts have been on my report for over XXXX years. 
XXXX XXXX XXXX. 
This is a fraudulent account that I never opened and should be removed immediately. 
XXXX XXXX XXXX The original balance and payment history are incorrect. 
The account was paid in full, but is still being reported with errors. 
XXXX XXXX Every detail on this account is inaccurate, including the reported amount, opening date, and charge-off status. 
This account was also paid in full, but is incorrectly listed as charged off. 
XXXX XXXX XXXX XXXX Bank The payment history is missing several months where I made on-time payments. 
This account is now paid off with no late payments, but is still inaccurately reported. 
XXXX Bank This account was paid in full with no late payments, but is inaccurately reported. 
XXXX XXXX XXXX This account was opened in XXXX, not XXXX. 
It was related to a debit card, not a credit account, and no payment plan was ever set up. 
Everything reported on this account is incorrect. 

Additional Information : Due to past incidents of identity theft, I always use my full legal name : XXXX XXXX XXXX. Any accounts or entries under a name without my middle name may be fraudulent and should be deleted.

Company response to consumer: Closed with non-monetary relief