Consumer complaint received 2025-12-01 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:
I am submitting this complaint to dispute multiple inaccuracies and unauthorized items appearing on my credit report. This is my second complaint regarding these matters, and I have not yet submitted this to the Federal Trade Commission ( FTC ). Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires furnishers and credit reporting agencies to maintain accurate and verifiable reporting, I request immediate investigation and correction. Each item listed below is either inaccurately reported or entirely unknown to me, violating my rights under federal law and causing harm to my creditworthiness. 
DPT ED/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$4400.00} Late Payment. I have never made any late payments on this account. The reporting of a late payment is false, inaccurate, and must be corrected to reflect my true payment history. I request that the history be corrected immediately to remove any notation of late payment. 
XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Late Payment. I have never made any late payments on this account. The late payment status is completely inaccurate and misleading. I demand correction of the account history to accurately reflect timely payments. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Late Payment. I dispute this late payment notation as false and request immediate correction. The continued reporting of this inaccuracy is in violation of federal credit reporting laws. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$470.00} Collection. I have no knowledge of this account, never authorized it, and dispute its validity. This collection item is unauthorized, inaccurate, and should be deleted immediately. Its reporting is misleading, damaging, and violates my rights under FCRA. 
XXXX XXXX, Date Opened : XX/XX/XXXX, High Balance : {$610.00} Late Payment. I have never made any late payments on this account. The reported late payment is false and must be corrected to reflect my accurate payment history. 
XXXX XXXX, Date Opened : XX/XX/XXXX, High Balance : {$1000.00} Late Payment. I have not made any late payments on this account. Reporting a late payment is inaccurate and misleading. I demand that the account history be corrected immediately. 
XXXX, XX/XX/XXXX Inquiry. I did not authorize this inquiry. The reporting of this inquiry is inaccurate, potentially fraudulent, and must be investigated and removed. 
XXXX, XX/XX/XXXX Inquiry. I did not request or authorize this inquiry. Its continued reporting is inaccurate and damaging, requiring immediate correction. 
XXXX XXXX XX/XX/XXXX Inquiry. This inquiry was not requested or authorized by me. Its reporting is inaccurate and must be removed in accordance with FCRA regulations. 
The accumulation of these inaccurate late payments and unauthorized inquiries has caused significant harm to my credit profile, misrepresented my financial history, and violated my rights under federal law. I request that CFPB ensure that all these items are fully investigated, corrected, or deleted as required by law, and that I receive written confirmation of the results of this complaint.

Company response to consumer: Closed with non-monetary relief