Consumer complaint received 2025-11-11 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 several credit bureaus and furnishers are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. I have previously contacted the credit reporting agencies to dispute these items, but the issues remain unresolved. I am requesting the CFPBs assistance in conducting a full investigation and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 
The following items are being reported incorrectly : Incorrect Addresses : XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address Disputed Accounts : XXXX XXXX XXXX * Charge Off * * High Balance : {$9500.00} | Date Opened : XX/XX/XXXX This account is being reported inaccurately. I do not recognize it and request deletion if unverifiable. 
XXXX XXXX XXXX Charge Off * * High Balance : {$1000.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account. It appears to be erroneous and must be deleted if validation can not be provided. 
XXXX XXXX XXXX * Late Payment * * High Balance : {$510.00} | Date Opened : XX/XX/XXXX I have never made late payments on this account. The payment history must be corrected to reflect timely payments. 
XXXX XXXX XXXX * Charge Off * * High Balance : {$2100.00} | Date Opened : XX/XX/XXXX This account is not mine. Please provide verification or remove it. 
XXXX XXXX XXXX XXXX Late Payment * * High Balance : {$6400.00} | Date Opened : XX/XX/XXXX This account is inaccurately reporting late payments. I have consistently made on-time payments. Please correct this reporting. 
XXXX XXXX Late Payment * * High Balance : {$27000.00} | Date Opened : XX/XX/XXXX This account is incorrectly reporting late payments. Please correct to show positive payment history. 
XXXX XXXX XXXX Charge Off * * High Balance : {$8900.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account and dispute its accuracy. Please delete if unverifiable. 
XXXX XXXX XXXX XXXX Charge Off * * High Balance : {$1800.00} | Date Opened : XX/XX/XXXX I have no knowledge of this charge-off. Please verify or remove from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX Late Payment * * High Balance : {$6700.00} | Date Opened : XX/XX/XXXX This account was never late. Please correct the payment history immediately. 
XXXX XXXX XXXX * * XXXX XXXX : {$910.00} | Date Opened : XX/XX/XXXX I do not recognize this collection account. Please validate or delete. 
XXXX XXXX XXXX XXXX Collection * * High Balance : {$550.00} | Date Opened : XX/XX/XXXX This account is unknown to me and is reported in error. Please remove if unverifiable. 
XXXX XXXX * XXXX XXXX XXXX : {$1100.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account. Please provide proper validation or remove it from my credit file immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX Collection High Balance : {$730.00} | Date Opened : XX/XX/XXXX This collection account is not recognized. Please verify its accuracy or delete it in compliance with the FCRA. 
Unknown Account XXXX Collection High Balance : {$140.00} | Date Opened : XX/XX/XXXX I have never opened this account. This appears to be fraudulent or reported in error and must be deleted if unverifiable. 
XXXX XXXX XXXX XXXX Late Payment High Balance : {$6400.00} | Date Opened : XX/XX/XXXX This account is incorrectly showing late payments. I have always paid on time, so please update the payment history to reflect accurate reporting. 
XXXX XXXX XXXX Collection High Balance : {$500.00} | Date Opened : XX/XX/XXXX I have no knowledge of this collection account. Please verify ownership and legitimacy ; otherwise, remove it from my report. 
Unauthorized or Questionable Inquiries : XXXX XXXX XX/XX/XXXX Inquiry I did not authorize several of these inquiries and have no business relationship with many of these companies. Under the FCRA, all unauthorized hard inquiries must be deleted from my credit report unless written proof of my consent is provided. 
Requested Resolution XXXX. I request that the CFPB ensure that the credit reporting agencies conduct a lawful and complete reinvestigation of each item listed above. 
XXXX. Any unverifiable, inaccurate, or unauthorized account or inquiry must be permanently deleted from my credit file. 
XXXX. I also request confirmation of all results and documentation used to verify these accounts. 
XXXX. I request that the furnishers be required to comply with FCRA 609 and 611 regarding proper validation, verification, and reporting accuracy. 
These inaccuracies are causing ongoing damage to my credit reputation and financial standing. I am providing copies of my government-issued ID and proof of address to assist in your review and verification process. 
Thank you for your attention and assistance in resolving these violations of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief