Consumer complaint received 2025-11-19 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 filing this formal complaint because the credit bureaus and furnishers listed below are reporting false, inaccurate, and harmful information about me, causing financial damage, mixed-file errors, and negligent reporting. I have repeatedly disputed these items and the bureaus continue to verify unverified and incorrect data. This is a serious violation of the Fair Credit Reporting Act including FCRA 602 ( Congressional Findings ), 607 ( b ) ( Maximum Possible Accuracy ), 611 ( Reinvestigation Requirements ), 604 ( Permissible Purpose for Inquiries ), and 623 ( Furnisher Responsibility ). I am requesting immediate intervention and investigation from the CFPB. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX WRONG ADDRESS This address has never belonged to me and has no connection to my identity This is a clear mixed-file error and violates FCRA 607 ( b ) because you are reporting inaccurate identifying information Remove immediately XXXX XXXX XXXX * * Charge Off Date Opened : XX/XX/XXXX Balance : {$5200.00} * * I have no knowledge of this account and have never authorized it This appears to be identity confusion, mixed file, or inaccurate reporting FCRA 623 prohibits furnishing information that is false or unverifiable Delete this account immediately XXXX XXXX XXXX * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$5200.00} * * Duplicate, unauthorized, and suspicious reporting I dispute this completely The furnisher must validate under FCRA 611 or delete immediately as required XXXX XXXX XXXX * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$1600.00} * * Another duplicate, incorrect, and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate, incomplete, and can not be verified under FCRA 611 ( d ) Remove this account immediately XXXX XXXX XXXX * * Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * This late payment is completely incorrect I have never been late on this account Reporting false late history is a violation of FCRA 623 ( a ) ( 1 ) ( A ) Correct the payment history immediately XXXX XXXX XXXX * * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * I dispute this account because this information is inaccurate and unverifiable Furnisher must prove legitimacy or remove immediately under FCRA 611 XXXXXXXX XXXX XXXX * * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$3700.00} * * This account is reporting incorrect and harmful data I dispute this account entirely The creditor must validate or delete, as required by federal law XXXX  XXXX * * * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * I fully dispute this account because the reporting is inaccurate, incomplete, and unverifiable I have no knowledge of any charge-off with XXXX and the furnisher must provide original documentation or delete immediately under FCRA 611 and 623 This account appears to be mixed-file or identity confusion and must be removed XXXX XXXX Inquiry XX/XX/XXXX Duplicate unauthorized inquiry Reporting the same unauthorized pull twice is negligent and harmful Delete immediately XXXX XXXX Inquiry XX/XX/XXXX I never applied for any credit on this date This is an impermissible and illegal inquiry and must be removed under FCRA 604 SUMMARY OF COMPLAINT These accounts and inquiries are causing severe financial harm and limiting my ability to obtain credit. The bureaus have refused to correct these errors despite multiple disputes. These furnishers are reporting data that is false, unverifiable, duplicated, and in violation of federal law. I am requesting CFPB intervention to force a complete investigation, demand verification of each disputed item, and require deletion of all unverifiable, inaccurate, or unauthorized data. I am also requesting that all furnishers be required to provide documentation proving permissible purpose for every inquiry listed.

Company response to consumer: Closed with non-monetary relief