Consumer complaint received 2025-11-18 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:
Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint because the credit bureaus ( Equifax, XXXX XXXX XXXX ) and the listed furnishers have repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting fraudulent, inaccurate, unverified, and unauthorized information on my credit reports. Despite submitting disputes previously, the bureaus intentionally refused to properly investigate any item, violating XXXX XXXX. XXXX, XXXX ( b ), and XXXX ( b ). The accounts listed below have NEVER been validated nor verified with proper documentation.

These errors are causing me financial damage, credit score drop, emotional distress, and harm in obtaining housing, employment, and credit opportunities. I am requesting immediate CFPB enforcement intervention. 
WRONG ADDRESSES REMOVE IMMEDIATELY XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS This address has NEVER belonged to me at any point. Reporting this is a direct violation of FCRA accuracy requirements. Leaving this wrong address increases the risk of mixed file, identity fraud, and improper account linking. DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS This address is completely inaccurate. I NEVER lived here. XXXX this as my residence violates FCRA XXXX ( b ) requiring maximum accuracy. DELETE THIS ADDRESS IMMEDIATELY. 
ACCOUNTS INVESTIGATION FAILURE, WRONG REPORTING, IMMEDIATE ACTION REQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Charge Off * * I have XXXX KNOWLEDGE of this alleged debt. No contract, no proof, no validation has ever been provided. Reporting this is illegal without furnishing proper documentation under FCRA XXXX ( a ) ( XXXX ). REMOVE THIS CHARGE-OFF IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Late Payment * * I DID NOT make late payments. This reporting is 100 % inaccurate. You failed to verify after XXXX XXXX. I demand correction to a perfect payment history, or complete deletion if you can not validate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this account in its entirety. I have no proof this debt belongs to me. No contract or signature exists. Incorrectly reporting a charge-off with no validation violates XXXX ( b ). DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I DO NOT recognize this account. You failed to provide validation. The burden is on XXXX to verify accuracy. REMOVE THIS CHARGE-OFF. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Late payment history is false. I NEVER paid late. Correct to Pays as Agreed or delete for failure to validate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This late payment is completely inaccurate. I demand full correction or deletion. Your failure to verify after my first notice violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXance : {$0.00} Charge Off * * No documentation has been provided to prove this account belongs to me. I never authorized it. DELETE THIS ITEM. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This account is NOT mine. Your continued reporting proves you did not conduct a lawful reinvestigation. REMOVE IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this account due to lack of validation, no documentation, and failure to verify. DELETE. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Collection * This collection is unverified and unauthorized. No proof of original creditor, no contract, no validation. REMOVE THIS COLLECTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$1400.00} Collection * * XXXX is reporting unverifiable information. No full validation has been provided. This is inaccurate collection activity and must be DELETED. 
XXXX XXXX XXXX AccXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$700.00} Collection * * I DO NOT recognize this debt. XXXX failed to provide ANY validation or original creditor documentation. This appears to be a mixed file entry. Under FCRA XXXX you must delete this collection immediately due to lack of verifiable evidence. 
XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$420.00} Collection * * I have no agreement with XXXX XXXX XXXX. No contract, no signed documentation, no itemized accounting has ever been provided. You are reporting unverifiable data. DELETE THIS ENTRY IMMEDIATELY. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Collection * * XXXX has NOT provided proof of ownership or authorization to collect. This is unverified reporting and unlawful under FCRA XXXX ( b ). DELETE THIS COLLECTION NOW. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte Opened : XX/XX/XXXX Balance : {$200.00} Charge Off * * I did NOT authorize or open this account. No billing history, service address, or signature was ever verified. This looks like fraud or a mixed file. REMOVE THIS CHARGE-OFF. 
UNAUTHORIZED HARD INQUIRIES REMOVE IMMEDIATELY I did NOT authorize ANY of the following inquiries. These companies had NO permissible purpose under FCRA XXXX to access my credit file. These inquiries are causing damage and must be removed immediately. 
SOUTHERN AUTO FINANC Inquiry Date : XX/XX/XXXX Unauthorized. I never applied with this company. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized and no application made. Remove. 
XXXX XXXX XXXX Date : XX/XX/XXXX No permissible purpose. Delete immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did NOT authorize this dealership. Remove. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized inquiry, no application made. 
XXXX XXXX XXXX XXXXquiry Date : XX/XX/XXXX This inquiry is fraudulent. REMOVE IMMEDIATELY. 
XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX No relationship, no authorization. Delete. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unapproved. REMOVE NOW. 
FCRA VIOLATIONS BY CREDIT BUREAUS XXXX XXXX XXXX. FCRA XXXX Failure to Reinvestigate The bureaus marked all items as verified without contacting the furnishers or requesting proof. 
XXXX. FCRA XXXX ( b ) Failure to Ensure Accuracy They reported multiple inaccurate debts, collections, and inquiries. 
XXXX. FCRA XXXX ( b ) XXXX XXXX XXXX XXXX XXXX furnishers refused to provide validation or correct inaccurate data. 
XXXX. FCRA XXXX & XXXX Willful & Negligent Noncompliance I have been financially harmed due to their intentional and negligent actions. 
IMPACT ON ME These inaccurate accounts and inquiries have caused : Severe credit score drop Denial of credit Higher interest rates Emotional distress Housing and employment difficulty This is causing ongoing and measurable financial damage. 
REQUEST FOR CFPB XXXX I am requesting CFPB to : XXXX. Investigate all listed furnishers and credit bureaus XXXX. Force deletion of ALL unverified accounts XXXX. Remove ALL unauthorized hard inquiries XXXX. Require bureaus to provide XXXX XXXX XXXX XXXX. Enforce penalties for their negligent and willful FCRA violations Conclusion I am requesting the XXXX XXXX intervention because the credit bureaus and furnishers continue to violate federal law and refuse to follow FCRA guidelines. 
Thank you for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief