Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
b'I am filing this complaint because my credit report contains multiple inaccurate, incomplete, and unverified items, including false accounts, unauthorized personal information, and incorrect contact details. I submitted a formal dispute under the Fair Credit Reporting Act (FCRA), but the credit bureau has not corrected or removed these items as required under 15 U.S.C. 1681i, 1681s-2, 1681b, and 1681c-2.\n\nThese errors are causing significant harm to my credit score, financial opportunities, and overall creditworthiness. I am requesting CFPB assistance to ensure the credit bureau conducts a lawful reinvestigation and removes all inaccurate data.\n\n1. Inaccurate or Unverified Accounts\n\nThe following accounts are inaccurate, incomplete, or not mine. They must be removed unless the credit bureau can provide full, verifiable documentation proving ownership, accuracy, and legality:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts appear duplicated, incorrectly reported, or unverifiable. The furnishers have not provided any documentation proving these accounts belong to me.\n\n2. Inaccurate Personal Information\n\nMy credit file contains multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. This raises concerns about identity theft or severe mixing of credit files.\n\nIncorrect NameXXXX XXXX XXXX XXXXncorrect Addresses (Extensive List)\n\nAll of the following addresses are inaccurate and must be removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have never lived at any of these locations.\n\n3. Incorrect and Unauthorized Phone Numbers\n\nThe following phone numbers do not belong to me XXXX must be deleted:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese numbers indicate mixed files and identity-related errors.\n\n4. Failure to Conduct a Reasonable Reinvestigation\n\nUnder FCRA 1681i, the credit bureau must investigate disputed items within 30 days and remove any item that cannot be verified.\nDespite my formal dispute:\n\nNo proof of account ownership was provided\n\nNo documentation supporting the accuracy of the accounts was produced\n\nThe bureau continued reporting incorrect addresses and phone numbers\n\nNo correction has been made\n\nThis violates my rights under the Fair Credit Reporting Act and has caused ongoing harm.'

Company response to consumer: Closed with non-monetary relief