Consumer complaint received 2025-11-29 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 multiple credit bureaus and data furnishers are reporting false, unauthorized, inaccurate, fraudulent, unverified, and identity-theftrelated information on my credit report in direct violation of federal law. I have repeatedly disputed these items with the credit bureaus, and they have failed to properly investigate as required under FCRA 611. They continue to publish wrong addresses, unauthorized inquiries, incorrect late payments, fraudulent charge-offs, and unverified collections. These accounts do not belong to me and have severely harmed my credit, my financial stability, and my ability to obtain housing, transportation, and basic necessities. I am requesting the CFPB to intervene, investigate, and take enforcement action. 
WRONG ADDRESSES DELETE IMMEDIATELY XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Wrong Address These addresses are fraudulent, never connected to me, and must be removed immediately under FCRA 604 & 609 ( a ). 
DISPUTED ACCOUNTS FIX OR DELETE UNDER FCRA XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$480.00} Issue : Late Payment ( Incorrect Reporting I never made any late payments. Correct or delete under FCRA 607 ( b ). ) SYNCB/NETWRK XXXX Open Date : XX/XX/XXXX | High Balance : {$740.00} Issue : Late Payment ( False reporting, never late. Must correct or delete under FCRA XXXX. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1200.00} Issue : Late Payment ( Inaccurate data. If you can not verify it with documentation, delete under FCRA 623 ( a ) ( 1 ) ( A ). ) XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1300.00} Issue : Charge-Off Not My Account ( I have no knowledge of this debt. Provide original signed application or delete under FCRA 609 ( a ). ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1900.00} Issue : Charge-Off Not My Account ( Unverified, fraudulent. Delete immediately under FCRA 611 ( a ). ) XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$3800.00} Issue : Charge-Off Not My Account ( I never opened or authorized this. Violation of FCRA 602 ( A ). Delete now. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$5700.00} Issue : Collection Not My Account ( This account is unknown, unverified, and not authorized by me. Provide the signed contract with my signature or delete immediately under FCRA 611. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2800.00} Issue : Collection Not My Account ( I have no knowledge of this debt. Reporting a collection that can not be proven violates FDCPA 807 ( 8 ). Delete immediately. ) REQUEST FOR CFPB ACTION I am requesting immediate CFPB investigation and enforcement. These furnishers and credit bureaus failed to follow the law, failed to verify accounts, failed to fix inaccuracies, and continued reporting damaging information in violation of federal regulations. I want all fraudulent accounts, wrong addresses, false late payments, unverified collections, unauthorized inquiries, and any item that can not be proven with legal documentation removed immediately. I want full accountability for the harm caused to my credit and life.

Company response to consumer: Closed with non-monetary relief