Consumer complaint received 2025-11-21 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 multiple credit bureaus and furnishers are reporting inaccurate, unverifiable, duplicate, and fraudulent information on my credit report. These errors are violating my rights under the Fair Credit Reporting Act ( FCRA ) and are causing serious harm to my credit profile, financial stability, and personal identity security. 
Below are the inaccurate items I am reporting : Wrong Addresses XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at this address at any point in my life. I have no rental history, utility accounts, banking activity, or personal connection to this location. The presence of this address on my file indicates a potential identity mix-up. It must be removed immediately for the accuracy and safety of my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address does not belong to me and has never appeared on any of my official records, applications, employment files, tax documents, or housing history. Reporting this incorrect address is a serious inaccuracy and must be deleted immediately as it suggests identity contamination. 
Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX  High Balance : {$470.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no verified knowledge of this account. I have never received any statements, contracts, or signed documents proving I opened this account. The reporting is incomplete and unverifiable. No notices were ever sent to me. This is unverified information and must be removed under FCRA. 
XXXX XXXX Acct : XXXX XXXX High Balance : {$3100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This high balance and the reported history do not match my financial records. I did not authorize or open any account with this institution. No creditor has ever provided proof of ownership or contractual documents. This is inaccurate and must be deleted. 
Late Payment Accounts KIKOFF Acct : XXXX XXXX  High Balance : {$440.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I never made any late payments on this account. My payments were consistent and autopay was active. The reported late payment is inaccurate and contradicts my actual payment history. This must be corrected immediately. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This reporting is incorrect as I have never missed a payment on this account. No written notice was ever sent to me regarding a late payment. This violates FCRA 623 ( a ) ( 3 ) which requires creditors to report information accurately. 
XXXX Acct : XXXX XXXX High Balance : {$190.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The reporting on this account is inconsistent. The creditor has never provided any original documentation or payment ledger that supports the claim of late payment. The late payment is unverified and must be deleted. 
Collection Accounts ( Aggressive Statements ) XXXX XXXX XXXX Acct : XXXX High Balance : {$700.00} | Date Opened : XX/XX/XXXX | Status : Collection I do not recognize this debt. I never received validation, contracts, statements, or proof of ownership from XXXX. Unverified debts can not legally be reported. This must be removed. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Status : Collection This appears to be a duplicate, unverifiable collection entry. I have no knowledge of this account, and no documentation exists proving its validity. This item must be deleted. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$680.00} | Date Opened : XX/XX/XXXX | Status : Collection I have never received a letter, email, phone call, or notice regarding this account. No communication, no proof, no documentationthis is an unvalidated debt. It must be removed immediately. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$180.00} | Date Opened : XX/XX/XXXX | Status : Collection I am not familiar with this company and have never had any dealings with them. This appears to be a ghost collection and can not be validated. This is inaccurate and should be deleted. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$4200.00} | Date Opened : XX/XX/XXXX | Status : Collection I have never rented any property that fits this description. I have no lease agreement, no landlord connection, no rent-related debt. This is a fraudulent entry and must be removed. 
Unauthorized Hard Inquiries XXXX XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry nor did I request any product from this creditor. This must be deleted immediately. 
My Request to CFPB I am requesting the CFPB to : Investigate all reporting credit bureaus and furnishers Require them to provide full validation, contracts, and proof Order the removal of all unverifiable and inaccurate information Ensure the bureaus comply with FCRA deadlines and reinvestigation requirements Protect my identity from further misuse These errors have caused severe emotional distress, credit denial, financial damage, and misrepresentation of my identity. 
I request urgent assistance in resolving these violations.

Company response to consumer: Closed with non-monetary relief