Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint because multiple inaccurate and unauthorized items are being reported on my credit file, and my attempts to have them corrected through the credit bureaus have failed. I am suffering serious damage to my credit score, emotional distress, and financial harm due to the negligence and false reporting of the furnishers and credit reporting agencies. I am requesting the CFPBs assistance in holding them accountable and ensuring these errors are corrected immediately. 
WRONG ADDRESSES REPORTED UNDER MY NAME : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address These addresses are not now, nor have they ever been, associated with me. Their inclusion is false, misleading, and a violation of my rights under FCRA Section 609. Please delete all the above immediately to prevent any identity mix-up or false reporting. 
INACCURATE ACCOUNT INFORMATION : XXXX # XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$85000.00} | Reported Status : Late Payment This late payment reporting is completely false. I have never missed or delayed any payment under this account. If the data furnisher can not produce verifiable evidence of late payments, this record must be corrected or deleted as required by FCRA Section 607 ( b ) for accuracy and Section 623 ( a ) ( 1 ) ( A ) against knowingly reporting false information. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$0.00} | Reported Status : Late Payment This account shows a zero balance yet has been marked with a late payment, which is logically and factually impossible. This reporting is an error that misrepresents my credit behavior. Please remove this false late payment immediately in compliance with FCRA Section XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$2500.00} | Reported Status : Charge Off I have no knowledge of this account and have never authorized or opened any credit line with this company. This account appears to be either a mixed file or fraudulent record and must be permanently deleted from my report. Reporting an unknown account violates FCRA Section 605B. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1900.00} | Reported Status : Late Payment This information is completely incorrect. I have never made any late payments on this account. If the original furnisher can not verify the accuracy of this data with proper documentation, this entry must be removed immediately under FCRA Section 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$1100.00} | Reported Status : Late Payment This late payment is completely inaccurate. I have never been late on this account, and no verifiable documentation can prove otherwise. Reporting false payment information violates FCRA Section 607 ( b ), which mandates maximum possible accuracy. This entry must be corrected to reflect on-time payments or deleted immediately. 
XXXX XXXX # XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$20000.00} | Reported Status : Late Payment I strongly dispute this reporting. There was never a delinquency or missed payment on this account. If the furnisher can not verify this with proper evidence, it must be removed. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting false or unverifiable information. 

UNAUTHORIZED / EXCESSIVE CREDIT INQUIRIES : The following inquiries were made without my authorization and are damaging my credit profile. I did not grant permission to these entities to access my credit file. Each of these inquiries must be immediately removed from my report under FCRA Section 604 ( a ), which limits access to a consumers file to cases of legitimate, written consent. 
XXXX | Date : XX/XX/XXXX | Unauthorized Inquiry XXXX | Date : XX/XX/XXXX | Unauthorized Inquiry These inquiries were never authorized by me, nor did I initiate any credit applications with these companies. Under FCRA Section 604 ( a ) ( 2 ), only inquiries made with my explicit consent for a specific credit purpose are lawful. Therefore, I am demanding immediate removal of each unauthorized inquiry from my credit file. 
I have contacted the credit bureaus demanding deletion of these false accounts and inquiries, but they have failed to perform a proper reinvestigation or provide any proof verifying the legitimacy of these items. It appears that my file is being mishandled, and my rights as a consumer are being violated. 
The continued reporting of these false late payments and unauthorized inquiries is a clear violation of my consumer protection rights under federal law. This has caused me emotional distress, loss of credit opportunities, and damage to my financial reputation. I am asking the Consumer Financial Protection Bureau to take action against the responsible furnishers and credit bureaus for their failure to comply with the Fair Credit Reporting Act, and to ensure that these inaccurate items are removed or corrected immediately. 
I am also requesting a written confirmation from each involved party verifying the deletion of all inaccurate and unauthorized data from my credit file. 
Thank you for your time and attention. I trust that the CFPB will ensure that these violations are investigated and resolved in compliance with federal law.

Company response to consumer: Closed with non-monetary relief