Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because multiple accounts and inquiries are being reported inaccurately on my credit report and the credit bureaus have failed to properly investigate them as required under FCRA 602, 603, 604, 609, 611, and 623. These items are either not mine, unauthorized, unverified, duplicated, or reported with inconsistent information that does not match my records. I am requesting a full investigation and immediate correction or deletion.

WRONG ADDRESSES ( NEVER LIVED, NEVER USED, NOT RELATED TO ME, POTENTIAL IDENTITY THEFT ) XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I never lived here, no accounts tied to me belong to this location, remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is not my address and was never used by me ACCOUNTS WRONG, UNVERIFIABLE, NOT MINE, OR REPORTED INACCURATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} ISSUE : Reported Late Payment I never made any late payments, this reporting is false, unverified, and must be corrected immediately DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} ISSUE : Late Payment I did not miss payments, this is inaccurately reported and harming my credit DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4300.00} ISSUE : Late Payment I dispute the entire late payment history as false, unverifiable, and inconsistent with my actual records DPT EDXXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This is inaccurately reported and can not be verified with any supporting documents DPT EDXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment Reporting is false, the late payment history is not mine and must be removed DPT EDXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment Inaccurate and unverifiable reporting, requires full deletion DPT EDXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment Reported incorrectly, does not match my payment history, and must be corrected DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} ISSUE : Late Payment I dispute the payment history entirely, it is wrongly reported and must be corrected DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} ISSUE : Late Payment I strongly dispute the reported late payments because they are inaccurate, inconsistent, and do not match my actual payment history. This information is unverifiable and must be corrected. 
DPT EDXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} ISSUE : Late Payment The late payment history is falsely reported. I never missed payments on this account and demand immediate correction under FCRA 611. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This information is inaccurate. The late payment history is not mine and can not be validated through any original documentation. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment False reporting. The payment history is incorrect, damaging my credit, and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$23000.00} ISSUE : Charge Off I dispute this account completely. I can not verify it, I have no recollection of opening it, and request deletion under FCRA 611. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This reporting is inaccurate. I dispute the entire late payment history as it does not reflect my actual performance. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment The payment data is wrong and must be corrected. FCRA requires removal of unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$640.00} ISSUE : Charge Off I do not recognize this account, never authorized it, and it is not part of my financial history. This is an unverifiable entry requiring deletion. 
DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1700.00} ISSUE : Late Payment The late payment reporting is false and inconsistent with my records. This information must be corrected. 
DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} ISSUE : Late Payment Incorrect reporting. I dispute this history and ask for an immediate correction. 
DPT EDXXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$360.00} ISSUE : Late Payment This is inaccurately reported and can not be verified under FCRA. Must be fixed immediately. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$850.00} ISSUE : Late Payment False information. I dispute and request full reinvestigation and correction. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2900.00} ISSUE : Late Payment The late payment history is inaccurate and does not match my actual payment performance. This information is unverifiable and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$490.00} ISSUE : Collection I have no knowledge of this debt, no contract, no billing history, and no verification. This appears fraudulent or misreported and must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$610.00} ISSUE : Collection This is not my account. I dispute any association with this debt. No evidence ties it to me and it must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$450.00} ISSUE : Collection I do not recognize this account. No proof, no signature, no authorization exists. Must be deleted under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$450.00} ISSUE : Collection I have no knowledge of this debt. XXXX can not validate ownership or provide original documentation. This must be removed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$240.00} ISSUE : Collection This account is not mine and has no verifiable connection to me. Must be deleted under FCRA for lack of validation. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} ISSUE : Collection I have no knowledge of this account. No contract, no proof, and no validation. This is not mine and must be deleted. 
XXXX Inquiry Date : XX/XX/XXXX ISSUE : Unauthorized Inquiry I never authorized this hard inquiry. No permissible purpose exists. Must be deleted. 
XXXX Inquiry Date : XX/XX/XXXX ISSUE : Unauthorized Inquiry This inquiry was done without consent and must be removed under FCRA guidelines.

These accounts and inquiries are causing harm to my credit standing, and I am requesting that CFPB require the data furnishers and credit bureaus to provide documented proof of authorization, contracts, account ownership, or permissible purpose. If they can not verify with legally acceptable evidence, these items must be deleted immediately as required under FCRA. I am requesting a full review and enforcement action to correct these violations.

Company response to consumer: Closed with non-monetary relief