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 my credit report is showing several false, inaccurate, and unauthorized items that I have never been associated with. These errors include multiple bankruptcy filings that I have never made, and a series of unauthorized hard inquiries that were pulled without my permission. These entries are severely damaging my creditworthiness, causing emotional XXXX, and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX WRONG ADDRESS I have never lived or received mail at this address. It appears to have been reported in error or as part of a mixed credit file. Under FCRA 607 ( b ), you are required to maintain maximum possible accuracy. Please remove this address immediately as it is not part of my verified residence history. 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS I have no connection to this address. This false reporting may have occurred due to a file merge or clerical mistake. Please verify with valid documentation or delete under FCRA 607 ( b ) and 611 ( a ). 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address has never been associated with me. I do not receive or send mail through any XXXX XXXXXXXX. Continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate data. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS I have never lived at this apartment or used it in any credit-related activity. Please remove it immediately under FCRA 607 ( b ) and provide confirmation. 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This location is not mine. I have no connection to this property. Its continued appearance violates my right to accuracy under FCRA 602 ( a ) and 607 ( b ). 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address is false and damaging. No accounts or correspondence have ever been tied to it. Please remove it per FCRA 611 ( a ) for unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS I never occupied this address, and there is no record or documentation linking me to it. Keeping this data is negligent under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address belongs to an unknown person. I have never used it for credit or residence. Delete it immediately under FCRA 607 ( b ). 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} CHARGE OFF I have no knowledge of this account. I never applied for or received credit from XXXX. This may be a fraudulent or mixed file entry. Under FCRA 611 ( a ), if the creditor can not produce verifiable proof bearing my signature, it must be deleted immediately. Continued reporting without validation violates FCRA 623 ( a ) ( 1 ) ( A ) and 616. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} CHARGE OFF I do not recognize this account. I never received or used a XXXX XXXX XXXX  with this number. It appears to be a case of identity confusion or reporting error. Under FCRA 607 ( b ) and 611 ( a ), unverifiable accounts must be deleted. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$700.00} CHARGE OFF This account is not mine and was never opened by me. The reporting of this item without validation is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). I demand deletion and written confirmation. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} CHARGE OFF XXXX XXXX I have no knowledge or record of this account. I never applied for or held any XXXX XXXX  or XXXX XXXX XXXX XXXX  under this number. This appears to be a fraudulent or mixed-file account. Under FCRA 611 ( a ), if the furnisher can not produce original documentation with my signature verifying this debt, it must be deleted immediately. Continued reporting of unverifiable information constitutes willful noncompliance under FCRA 616. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} CHARGE OFF XXXX XXXX  This account is completely unfamiliar to me. I have never conducted any credit transaction with XXXX XXXX, nor have I received any statement or billing notice from them. If this data can not be substantiated with original account application and proof of my authorization, it must be deleted under FCRA 611 ( a ) ( 5 ). Furnishing inaccurate information knowingly violates 623 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} CHARGE OFF XXXX XXXX This account does not belong to me. I have no record or documentation linking me to any credit relationship with XXXX XXXX or XXXX XXXX. This seems to be a data entry or identity error. Under FCRA 607 ( b ) and 611 ( a ), unverifiable or inaccurate information must be promptly deleted from my file. Continued reporting without verification violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} CHARGE OFF XXXX XXXX  I have no knowledge of this alleged account and have never financed any vehicle or loan through XXXX XXXX XXXX XXXX. This reporting is false and damaging to my credit profile. I request verification with original signed documentation. If such proof can not be provided, this account must be deleted immediately under FCRA 611 ( a ). Furnishing inaccurate data is a direct violation of 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT XXXX XXXX This account has been reported with a late payment which is completely inaccurate. I have never been delinquent on any payment with this creditor. Such misinformation damages my credibility and violates FCRA 607 ( b ), which mandates credit bureaus to maintain maximum accuracy. I demand that this record be updated to show Paid as Agreed or deleted if the creditor can not verify with payment history documentation. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$770.00} COLLECTION XXXX XXXX I have no knowledge of this account and have never received any communication or notice from XXXX XXXX XXXX. I do not owe this alleged debt. This is a third-party collection that appears without any validation or original creditor information. Under FCRA 611 ( a ) and FDCPA 809 ( b ), all unverifiable collections must be deleted unless fully substantiated. Reporting without verification also violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$620.00} COLLECTION XXXX XXXX I have never opened or authorized any account with this company, nor have I received any correspondence. I believe this to be an error or fraudulent entry. If the bureau or furnisher can not provide the original signed application, billing history, and proof of ownership, this record must be permanently deleted under FCRA 611 ( a ). Continuing to report unverifiable information violates 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} COLLECTION XXXX XXXX  This account is not mine. I have no record, bill, or communication from this company. It may have been erroneously reported or the result of identity confusion. Under FCRA 611 ( a ), any information that can not be verified must be deleted from my credit file. Reporting this false data without validation violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} COLLECTION XXXX XXXX I have no knowledge of this account and have never conducted any business with XXXX XXXX XXXX. I have not received any validation letter, billing statement, or notice of debt from them. This collection appears to be a fabricated or mixed-file entry, likely placed in error. According to FCRA 611 ( a ), any account that can not be verified through authentic, signed documentation must be deleted immediately. Furthermore, reporting false data without verification is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from providing inaccurate information to credit bureaus. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00} COLLECTION XXXX XXXX This is another unrecognized and invalid account. I have no association or agreement with XXXX XXXX XXXX regarding this debt. I have not received any official verification, communication, or contract that confirms my obligation to this company. This item appears to be an error or unauthorized reporting. Under FCRA 607 ( b ), the credit bureau is responsible for ensuring maximum possible accuracy in consumer files. Since no validation has been provided, this account must be immediately removed from my credit report. 
XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXXXXXX BKRP XXXX  BANKRUPTCY This is yet another duplicate and inaccurate bankruptcy listing tied to the same false case number. It falsely suggests multiple bankruptcy filings when in reality, no such filings exist. This is a gross reporting error that damages my creditworthiness and violates my rights under FCRA 611 ( a ), which mandates deletion of unverifiable and redundant data. I request immediate deletion of this entry and confirmation in writing. 
XXXX XX/XX/XXXX INQUIRY I never authorized or applied for credit with XXXX on the above date. This inquiry was made without my permission or consent, which is a violation of FCRA 604 ( a ) regarding permissible purposes. I demand this unauthorized inquiry be deleted immediately. 
XXXX XXXX XXXXXX/XX/XXXX INQUIRY I did not apply for any loan, financing, or service with XXXX XXXX  on this date. This is an unauthorized hard inquiry. Under FCRA 604 ( a ) ( 3 ), only inquiries initiated by consumer consent are permissible. This entry must be removed. 
XXXX XX/XX/XXXX INQUIRY This inquiry was never authorized or initiated by me. I have no credit relationship with XXXX XXXX. Continued reporting of such unauthorized activity violates FCRA 607 ( b ) and 604 ( a ). Please delete this inquiry from my file. 
XXXX XXXX XX/XX/XXXX INQUIRY I have never interacted with XXXX XXXX or submitted any credit application to them. This entry is inaccurate and unauthorized. Under FCRA 611 ( a ), any unverifiable inquiry must be removed. 
XXXX XXXX XX/XX/XXXX INQUIRY This inquiry was made without my consent. I have no connection to any financial institution or educational lender under this name. This must be deleted immediately per FCRA 604 ( a ). 
XXXX XXXX XX/XX/XXXX INQUIRY I did not apply for any credit with XXXX or XXXX XXXX  XXXX This inquiry is unauthorized and unlawful under FCRA 604 ( a ) ( 3 ). I demand its removal. 
XXXX XXXX XXXX XX/XX/XXXX INQUIRY This inquiry appears twice on my credit report, both unauthorized and duplicate. I have never authorized any inquiry by XXXX XXXX XXXX XXXX Duplicating inquiries artificially lowers my score and violates FCRA 607 ( b ) for accuracy. Both entries must be deleted immediately. 
XXXX XXXX XXXX  XX/XX/XXXX INQUIRY This inquiry was never authorized or initiated by me. I have not sought financing or credit through XXXX XXXX XXXX. Please delete this unauthorized inquiry under FCRA 604 ( a ). 
XXXX  XXXX XX/XX/XXXX INQUIRY I never applied for vehicle financing or submitted any credit application to XXXX XXXX. This inquiry was made without my consent and must be deleted under FCRA 611 ( a ). 
XXXX XXXX XXXX  XX/XX/XXXX INQUIRY I have no knowledge of this inquiry or any related application. This is an unauthorized hard pull that violates FCRA 604 ( a ). It must be removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX INQUIRY I have no credit history, account, or correspondence with this company. I never authorized this inquiry. It is inaccurate and unauthorized under FCRA 604 ( a ) and must be permanently deleted.

Each of these inquiries has had a negative impact on my credit score and personal credibility. When I contacted the credit reporting agencies about these unauthorized pulls, I was not provided with any proof of authorization or evidence that I personally initiated them. This shows a blatant lack of verification and oversight by both the bureaus and the furnishers of information.

The combination of false bankruptcy filings and unauthorized hard inquiries paints a completely inaccurate picture of my financial history. This is not only harmful but also a serious violation of my legal rights. The credit bureaus have failed to comply with FCRA 611 ( a ), which requires proper reinvestigation of disputed items within 30 days. Their negligence in verifying and correcting these items continues to cause me daily harm.

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit reporting agencies ( XXXX, Equifax, and XXXX  ) to : 1. Immediately remove all false bankruptcy filings from my credit report.

2. Delete all unauthorized hard inquiries that were made without my consent.

3. Provide written verification of the source and legal authorization for any remaining items, if they claim the data is valid.

4. Ensure compliance with FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 604 ( a ) to prevent future occurrences.

I have never filed bankruptcy, never applied for credit with the companies listed above, and I am now suffering financial damage and emotional XXXX  because of these false and unauthorized entries. I am asking the CFPB to take immediate corrective action to ensure the credit reporting agencies remove these harmful inaccuracies and restore the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief