Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern I am submitting this complaint because the credit bureau is reporting multiple items that are inaccurate, unverifiable, and not compliant with the Fair Credit Reporting Act. These errors are damaging my credit profile and affecting my ability to maintain financial stability. I have made multiple attempts to resolve these issues, but the bureau has failed to properly investigate and continues to publish information that does not meet the standards of accuracy, completeness, or verification required under federal law. I am requesting CFPB intervention to ensure all items are reinvestigated properly, verified with legally acceptable documentation, and corrected or deleted according to law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, TX XXXX This location is not connected to me and has never been part of my residential history. Keeping an address that does not belong to me creates a direct risk of identity mix-ups and violates your duty under FCRA 607 ( b ) to ensure only accurate identifiers remain on a consumer file. 

XXXX XXXX XXXX XXXX, TX XXXX This is not and has never been my address. Because it is unverifiable, it can not legally remain in my file per FCRA 611 ( a ) ( 1 ) ( A ) which requires deletion when verification can not be provided. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account. XXXX any account that can not be matched to me violates FCRA 607 and 611 because unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I do not recognize, own, or acknowledge this account. No creditor has ever provided proof that I opened this account, and unverifiable accounts must be deleted under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account. Any reporting without proper matching identifiers violates FCRA 602 and 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine. If you can not produce a lawful method of verification, then FCRA 611 requires its removal. 

DISCOVERCARD XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no connection to this account and no knowledge of ever opening it. FCRA 607 and 611 make unverifiable accounts ineligible for continued reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I do not recognize or acknowledge this account. FCRA requires deletion when verification can not be provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account, and under FCRA 602 and 611 it must be removed if it can not be validated. 

XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account does not belong to me. No lawful proof has ever been provided, violating FCRA 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account. It must be deleted as unverifiable under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I do not recognize this account. Keeping unverifiable information violates FCRA XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} I have no knowledge of this account. It can not remain without proper verification as required by FCRA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} I have no connection to this account. FCRA requires deletion of unverified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account. Without full verification, FCRA mandates its removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Your report shows late payments, but I have never paid this account late at any time. The late history is inaccurate and violates FCRA 602 and 607 ( b ). I request correction of the history to reflect never late. 

BANKRUPTCY XXXX XXXX I have no association with this record. Under FCRA public records must be verifiable and accurate, and this one is not. 

XXXX XXXX XX/XX/XXXX Unauthorized and must be removed. 

I have repeatedly disputed these items, yet the bureau has failed to obtain or provide any legally acceptable documentation proving the accuracy of these entries. The FCRA requires that only verifiable and accurate information may appear on a consumer report, and any unverifiable, inaccurate, or incomplete information must be deleted. I am requesting CFPB enforcement to ensure the credit bureau complies with federal law, performs a lawful reinvestigation, and removes all inaccurate and unverifiable data from my credit file.

Company response to consumer: Closed with non-monetary relief