Consumer complaint received 2025-11-05 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:
XXXX  am filing this complaint because Equifax is reporting multiple inaccurate and unverifiable items on my credit report that are causing serious harm and confusion. Despite my efforts to maintain accurate credit information, Equifax continues to report false addresses, accounts that do not belong to me, a false bankruptcy record, and unverifiable collection information. These actions violate my rights under the Fair Credit Reporting Act (FCRA), specifically  607(b) and 611(a), which require credit reporting agencies to ensure maximum possible accuracy and to promptly delete any unverifiable informationXXXX is reporting two addresses that are completely wrong and have no connection to me. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not and have never been associated with me. Their presence on my credit report creates the risk of identity confusion and demonstrates that Equifax has not maintained proper verification procedures for personal data XXXX  is also reporting several charge-off accounts that I have no knowledge of or connection to. These include XXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX XXXX XXXX XXXX  Date Opened XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX I have never had any financial relationship with these creditors, and no documentation has been provided proving their legitimacy. These accounts are inaccurate, unverifiable, and are causing unjustified harm to my credit reputation.XXXX Equifax is reporting a collection account under XXXX XXXX Date Opened XXXX with a Balance Owed of XXXX I have never received any communication, notice, or validation for this account. This debt is unknown to me and should not appear on my credit file. Its reporting violates the provisions of the FCRA requiring data furnishers to provide verified and accurate information.\n\nMost concerning is that Equifax has reported a bankruptcy record under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with a closing date of XXXX. I have never filed for bankruptcy in my life. The inclusion of this false public record is extremely damaging to my financial standing and is a direct violation of federal law. Such a serious error demonstrates a clear failure by Equifax to ensure that reported information is verified through official court documentationXXXX have already disputed these inaccuracies directly with Equifax, yet the company has failed to properly reinvestigate and correct the errors within the legally required timeframe. The continued reporting of these false items is negligent and violates FCRA  611, which mandates deletion of any information that cannot be verified. These false entries have significantly lowered my credit score, restricted my access to credit, and damaged my personal and financial reputation.XXXX am requesting that the Consumer Financial Protection Bureau investigate XXXX  handling of my credit data and ensure that all of these inaccurate items are immediately deleted from my credit report. Specifically, I am seeking deletion of the wrong addresses, all unverifiable charge-off and collection accounts, and the false bankruptcy record. I also request written confirmation that these deletions have been completed and that corrective measures are taken to prevent such errors from reoccurring in the future.XXXX situation has caused unnecessary stress and harm, and I am asking for a fair and prompt resolution consistent with my rights under the Fair Credit Reporting Act."

Company response to consumer: Closed with non-monetary relief