Consumer complaint received 2025-11-03 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:
1. What happened I am a victim of identity theft and mixed-file reporting. My consumer reports and specialty files include accounts, inquiries, and collections that I did not open, authorize, or consent to. These inaccurate and unverifiable records are harming my credit and banking access. I have contacted the major bureaus and specialty agencies listed below, but the information continues to appear or has not been properly investigated under the Fair Credit Reporting Act ( FCRA ).

I am formally requesting the CFPB to ensure compliance with FCRA 604, 607 ( b ), 609 ( a ), 611, and 605B, and to compel the reporting agencies to block or delete all unverifiable and identity-theft-related information. 

2. Companies involved ( Include all applicable data furnishers and specialty agencies ) TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  ( c/o Equifax ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX ( TransUnion ), XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX ( Experian ), XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX / XXXX  / XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, NJ XXXX XXXX. Accounts and Inquiries in Dispute A. Fraudulent or Unverifiable Collections and Tradelines Creditor / Furnisher Balance Bureau ( s ) Status Notes XXXX ( XXXX XXXX XXXX XXXX ) {$900.00} TU / EX / EQ Collection/Charge-off DLA conflicts ( XX/XX/XXXX XXXX vs. XX/XX/XXXX EQ ). Unauthorized account. 
XXXX ( XXXX ) {$270.00} TU / EX / EQ Collection/Charge-off DLA and comments inconsistent XXXX Unauthorized account. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$1200.00} XXXX XXXX XXXX only on TU. No verified chain of assignment or billing ledger. 
XXXX XXXX ( XXXX ) {$440.00} EX only Collection Missing validation record or proof of consent. Unauthorized. 

B. Unauthorized Hard Inquiries Creditor/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax I did not authorize any of the above credit pulls or applications.

4. FCRA Violations Alleged 607 ( b ) : Failure to maintain maximum possible accuracy.

611 ( a ) : Failure to properly reinvestigate and correct unverifiable data within 30 days.

605B : Failure to block identity-theft-related information after receipt of identity theft affidavit and FTC report.

604 : Release of my consumer file to entities without permissible purpose.

611 ( a ) ( 5 ) ( B ) : Improper reinsertion of deleted or unverifiable items without furnisher certification and 5-day notice.

Company response to consumer: Closed with non-monetary relief