Consumer complaint received 2025-11-24 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:
Dear CFPB, I am filing this complaint regarding multiple inaccurate and unverifiable items appearing on my credit report from [ Credit Bureau Name ]. Despite prior disputes, these items remain uncorrected, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting your immediate intervention to ensure the removal or correction of the following items : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address This address is incorrectly listed on my credit report. I have never lived here. This misreporting is misleading and affects my creditworthiness. I demand immediate correction. 
XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Wrong Address This address is falsely attributed to me. Such misreporting negatively impacts my credit and must be removed. 
XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * I have no knowledge of this account. Its reporting as a charge-off is unverified. I demand deletion unless verified with proper account documentation under FCRA Section 611. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * I never made late payments on this account. This information is inaccurate and misleading. I demand correction of the payment history immediately. 
XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$340.00} * * I do not recognize this account. Reporting a charge-off without verification is illegal. I request immediate deletion unless proper documentation is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} * * I have no knowledge of this account. This charge-off is inaccurate. I demand verification or deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account is unrecognized by me. I dispute its validity and demand deletion if no verifiable proof is provided. 
XXXX XXXX * Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} * * I have never been late on this account. The reported late payments are false. I demand immediate correction to reflect accurate payment history. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} I have no knowledge of this collection account. FCRA Section 611 requires verifiable documentation. Delete immediately unless proof is provided. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} * * I dispute this collection. I have no record or knowledge of this account. Delete unless proper verification is XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * I do not recognize this account. Reporting it as a collection without proper verification is unlawful. Delete immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this credit inquiry. Its presence is inaccurate and must be removed immediately.

Requested Resolution : 1. Delete all unverifiable accounts and unauthorized inquiries from my credit report.

2. Provide written confirmation of the investigation results.

3. Correct any inaccuracies in reporting to ensure my credit report is accurate and compliant with FCRA.

Failure to resolve these issues will leave me no choice but to pursue further legal action against all reporting parties for FCRA violations. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief