Consumer complaint received 2025-01-15 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 writing to formally lodge a complaint regarding the Consumer Financial Protection Bureaus ( CFPB ) failure to investigate the disputes I have raised about inaccuracies in my credit report. Despite my repeated attempts to resolve these issues, including three rounds of correspondence and evidence submissions, no appropriate action has been taken to address my concerns. 

Background of the Complaint : Initial Dispute Date : [ XX/XX/XXXX Subsequent Correspondence Dates : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
This account is incorrectly reporting that I have 72 late payments. On my XXXX report, t there are 13 late payments being reported. 

XXXX XXXX . Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. I previously disputed this account stating : ''This account is incorrectly being reported as acharged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. This account is incorrectly reporting that I have 17 late payments. On my XXXX report, there are 0 late payments being reported. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$270.00}. I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. This account is incorrectly reporting that I have 68 late payments. On my XXXX report, there are 11 late payments being reported. 

XXXX XXXX  A Collection with account # XXXX opened on XX/XX/XXXX and had a balance of {$940.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly reporting that I have 21 late payments. On my XXXX report, 4 late payments are being reported. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. This account is incorrectly reporting that I have 22 late payments. On my XXXX report, 4 late payments are being reported. 

XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$370.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Evidence Submitted : Bank Statements, Drivers License, Social Security Card

Company response to consumer: Closed with non-monetary relief