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:
I am filing this complaint because all three major credit reporting agenciesEquifax, Experian, and TransUnionhave failed to properly investigate and correct multiple inaccurate, duplicated, and unverifiable items on my credit reports, despite my written disputes mailed on XX/XX/year>. 

Each bureau continues to report information that is incomplete or unverifiable, including bankruptcy entries that can not legally be verified by any court, as well as accounts that were either duplicates or not mine. These errors have caused serious harm to my creditworthiness and my ability to obtain credit and housing. 

I also included a Federal Trade Commission Identity Theft Report documenting that at least XXXX of the listed accounts resulted from identity theft. Despite this, the bureaus have not corrected or removed the fraudulent information. 

Failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) The bureaus continue to report inaccurate, incomplete, and duplicate information, showing poor maintenance of reasonable accuracy procedures.

Failure to conduct a lawful reinvestigation ( FCRA 1681i ) Each bureau received my formal dispute and request for validation but has not provided any proof, such as signed contracts or original applications, confirming that the reported accounts are legitimate. 

Reporting unverifiable bankruptcy data XXXX separate XXXX XXXX XXXX  entries appear on my reports. Federal courts do not report directly to credit bureaus, making these entries unverifiable and likely inaccurate. 

Failure to remove fraudulent account after identity theft report ( FCRA 1681c-2 ) I submitted documentation showing that an account from XXXX XXXX XXXX is the result of identity theft. This account remains reported even after official notice.

Failure to remove outdated or unauthorized inquiries ( FCRA 1681b ) Inquiries not tied to any open or authorized accounts remain on file despite dispute, affecting my credit profile. 

Creditor / Furnisher : XXXX XXXX XXXX Account Number ( s ) : XXXX / XXXX / XXXX XXXX XXXX  Issue / Violation : Unverifiable public record ; courts do not furnish this data. 

Creditor / Furnisher : XXXX XXXX XXXX Account Number ( s ) : XXXX Issue / Violation : Fraudulent account identity theft ; FTC report provided. 

Creditor / Furnisher : XXXX Account Number ( s ) : XXXX Issue / Violation : Duplicate reporting ; unverifiable. 

Creditor / Furnisher : XXXX XXXX Account Number ( s ) : XXXX Issue / Violation : Duplicate reporting ; FCRA violation. 

Creditor / Furnisher : XXXX XXXX  Account Number ( s ) : XXXX Issue / Violation : Duplicate account ; inaccurate and incomplete. 

Creditor / Furnisher : XXXX  Account Number ( s ) : XXXX Issue / Violation : No validation received after dispute ; unverifiable. 

Creditor / Furnisher : XXXX XXXX XXXX Account Number ( s ) : XXXX Issue / Violation : No proof of validation within 30 days. 

Creditor / Furnisher : XXXX Account Number ( s ) : XXXX Issue / Violation : No validation provided; inaccurate. 

Creditor / Furnisher : XXXX XXXXXXXX Account Number ( s ) : XXXX Issue / Violation : No validation or verification provided; unverified reporting. 

Creditor / Furnisher : XXXX Account Number ( s ) : XXXX Issue / Violation : No validation or response from furnisher.

Company response to consumer: Closed with explanation