Consumer complaint received 2025-11-18 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:
This is a formal complaint against multiple debt collectors and furnishers who are knowingly reporting inaccurate, unverifiable, duplicate, unauthorized, and identity-mixed information to the credit bureaus in violation of FCRA 602, 604, 607 ( b ), 609, 611, 623 and FDCPA 807 and 809. These companies have failed to provide any proof, contract, validation, billing history, or documentation showing that these accounts belong to me despite my repeated disputes with the credit bureaus. I am submitting this complaint because the reporting is damaging, false, and has no legal basis. Below is the list of the specific accounts I am disputing and the issues connected to each one. 
Account Disputes With Detailed Issues XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment, which is impossible because a {$0.00} balance account can not be late. I never made late payments on this account. Your reporting is materially inaccurate under FCRA 602 and 607 ( b ). Provide full payment history and method of verification under FCRA 609 ( a ) ( 1 ) ( A ) or delete. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$65000.00} Also reported as Late Payment but I dispute this completely. I never received any notice, statement, or delinquency communication. No late payment ever occurred. This is negligent reporting and must be corrected to Paid/On-time immediately under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$680.00} Reported as Charge-off. I have NO knowledge of this account and did not authorize this debt. There is no contract, no application, no signature, and no record proving this belongs to me. Under FCRA 611 and 604 ( a ) ( 2 ) this must be deleted for lack of permissible purpose and unverifiable information. 
XXXX/XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Reported as Charge-off, but I dispute ownership entirely. I never opened this account, never received billing statements, and never made purchases. This appears to be identity-mixed or fraudulent. Provide all documentation including original signed application per FCRA XXXX or delete immediately. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$60.00} Reported as Late Payment, which is inaccurate. I MADE NO LATE PAYMENTS. I dispute your reporting as it violates FCRA 623 ( a ) ( 1 ) ( A ). Correct the payment history to never late or delete the entire tradeline for failure to verify. 
XXXX Account # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment, but this is impossible. A {$0.00} balance account can not be delinquent. You are reporting completely false information. Remove or correct under FCRA 607 ( b ) immediately. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Reported as Late Payment, which I dispute. I never missed payments and have no record of any delinquency. You are reporting inconsistent data across bureaus, which is further evidence of inaccuracy. Correct this account or delete under FCRA 611. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Charge-off but this is incorrect. I never missed payments, and a {$0.00} balance account can not be charged off. This is factually impossible and must be removed immediately as inaccurate. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Reported as Collection, but I have NO knowledge of this debt. XXXX is reporting without validating ownership, without providing any contract, and without proving chain-of-custody. Under FDCPA 809 and FCRA 611 you must delete. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Duplicate entry of the above account. Reporting the same debt twice is illegal and inflates derogatory information. This is a violation of FCRA 607 ( b ) and must be deleted immediately. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} I dispute this completely. I do not recognize this debt, never received any notice, and XXXX  has provided no validation. There is no contract or proof this belongs to me. This is reporting without permissible purpose under FCRA 604 and must be deleted. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} I dispute this in full. This appears to be identity-mixed or fraudulent. I have no record of ever having an account matching this number, balance, or date. No validation has been provided under FDCPA 809. Delete immediately under FCRA 611. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Another XXXX  account that I do NOT recognize. This is likely a duplicate or manufactured account with incomplete data. Reported information is inconsistent and unverifiable. Please remove under FCRA XXXX ( b ). 
XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$840.00} I dispute this entire collection. I have NO knowledge of this account and never received any validation, billing, or notice. No signed contract, no proof of services, no chain-of-custody. This reporting violates FCRA 607 ( b ) and FDCPA 809. Delete immediately. 
XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} I dispute this collection. I have zero knowledge of this account, have not received validation, and have no record of any contract with this company. This appears to be fraudulent or identity-mixed reporting. Remove under FCRA XXXX and FDCPA 809. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$56.00} I do not recognize this debt. There is no proof, no contract, and no validation. XXXX XXXX routinely reports unverifiable information. This must be deleted immediately under FCRA 623 ( a ) ( 1 ) ( A ). 
Unauthorized Hard Inquiries XXXX  Inquiry Date : XX/XX/XXXX I did NOT authorize this inquiry. There was no application, no consent, and no permissible purpose under FCRA 604. This inquiry must be removed immediately. 
REQUEST FOR RELIEF FROM CFPB I am requesting the following : 1. Full investigation into each furnisher listed. 
2. Immediate deletion of all disputed and unverified accounts.

3. Removal of all unauthorized hard inquiries.

4. Enforcement action against any company violating FCRA or FDCPA.

5. Written confirmation of the results mailed to me. 
These inaccurate entries have caused financial harm, credit score damage, and emotional distress. I am asking the CFPB to ensure these furnishers comply with federal law and stop reporting false information.

Company response to consumer: Closed with non-monetary relief