Consumer complaint received 2025-12-01 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 complaint is being filed against XXXX Equifax, XXXX and all furnishers listed below for repeatedly reporting inaccurate, unverifiable, fraudulent, and unauthorized information on my credit report despite multiple disputes I am filing under The Fair Credit Reporting Act ( FCRA ) 602, 604, 607 ( b ), 609, 611, 623 along with the Fair Debt Collection Practices Act ( FDCPA ) 807 and FACTA for ongoing violations that have caused financial damage mixed-file issues and identity misuse DISPUTED ADDRESSES NOT MINE/ NEVER LIVED AT THESE LOCATIONS FCRA 607 ( b ) You must maintain maximum accuracy XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never lived here linking this to my credit file is a violation of FCRA accuracy rules DISPUTED ACCOUNTS UNVERIFIED / INCORRECT/ NOT MINE / WRONG HISTORY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I never opened any utility account at this address this appears to be identity misuse and fraudulent reporting remove immediately under FCRA 605B identity theft procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have no knowledge of this account the charge-off status is fraudulent and unverified I never signed or authorized anything the furnisher has failed to validate any records remove immediately under FCRA 611 and 623 ( a ) ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting, false account, no contract, no authorization, no billing records this appears to be identity misuse and inaccurate reporting delete under FCRA 605B identity theft procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have no knowledge of this collection and never received validation the furnisher has not proven ownership, chain of title, or original creditor documentation under FDCPA 809 invalid debt reporting must be removed NATURE OF THE CFPB COMPLAINT The CRAs and furnishers have repeatedly violated : FCRA 607 ( b ) failing to maintain maximum accuracy FCRA 611 failure to properly reinvestigate disputes FCRA 604 inquiries without permissible purpose FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FDCPA 807 reporting false debt information FACTA failure to prevent mixed-file/identity misuse I have disputed these accounts with all CRAs but they refused to provide the legally required method of verification or any documentation The furnishers failed to validate or correct false information yet continue reporting harmful details damaging my credit REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Force all CRAs to conduct a legal reinvestigation 2. Require furnishers to provide full verification with signed documentation 3. Remove all inaccurate, fraudulent, and unverifiable items 4. Remove all unauthorized inquiries 5. Hold the CRAs and furnishers accountable for legal violations I am requesting a full investigation and written confirmation of corrective actions

Company response to consumer: Closed with non-monetary relief