Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against several credit reporting entries and inquiries that are being inaccurately reported and/or were conducted without my authorization. These items are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

After thoroughly reviewing my credit reports from the major credit bureaus, I have identified the following accounts and inquiries that are either inaccurate, unverifiable, duplicated, or unauthorized : WRONG ADDRESSES REPORTED ( VIOLATION OF FCRA 609 & 610 ) : These addresses are incorrect and must be removed immediately from my file as I have no association with them whatsoever : XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX, XXXX, TX XXXX Wrong Address Their presence indicates possible identity misuse or mixed file contamination which violates FCRA 607 ( b ) accuracy standards.

DISPUTED ACCOUNTS ( FCRA 611 INACCURATE OR UNVERIFIED INFORMATION ) : XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This account is completely unfamiliar to me. I never opened or authorized any account with this company. The reporting of this charge-off is inaccurate and must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$19000.00} I have no knowledge or agreement with this creditor. Reporting a {$19000.00} charge-off without my consent is false and violates FCRA 623 ( a ) ( 1 ) ( A ). Remove this account immediately. 
XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This account does not belong to me. I never signed or approved any agreement with this creditor. Please delete it as unverified. 
XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$18000.00} The late payment information is inaccurate and damaging. I request full verification including statements and signed contract, otherwise delete it completely. 
DEPTEDXXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$61000.00} My student loan payments were either current or under deferment. The reported late payments are false and should be corrected immediately. 
XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This is not my account. Reporting it as a charge-off is false and must be deleted from my credit file. 
XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This company is unknown to me. I never entered any agreement or loan with them. Please delete this account as invalid. 
XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$740.00} This is a false report. I have no connection or authorization with this account. Remove it completely from my report. 
XXXX XXXX XXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX High Balance : {$590.00} I have no debt with this collector or its affiliates. This false collection violates FCRA 623 and FDCPA 809 ( b ). Please delete this account immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$620.00} This collection is inaccurate, unverified, and unauthorized. I never owed or made any agreement with this company. Please remove it as required by FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX High Balance : {$12000.00} XXXX XXXX I have no knowledge of this account. I never authorized or entered into any agreement with XXXX XXXX XXXX. Reporting this account is false and violates FCRA 623 ( a ) ( 1 ) ( A ). Please provide original proof of contract or delete immediately. 
XXXX XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} * * This account does not belong to me. I have never held a credit account with this company. Reporting this charge-off is inaccurate and must be permanently removed under FCRA 611 . 
XXXX XXXX XXXX XXXXXXXX XXXX  Collection Date Opened : XX/XX/XXXX High Balance : {$390.00} XXXX XXXX  I have never opened or been notified of this debt. No original agreement or validation was ever provided. This entry is unverified and must be deleted immediately. 
XXXX XXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX High Balance : {$210.00} XXXX XXXX I am disputing this collection as I never received any validation notice or agreement proving that this debt belongs to me. Please remove it as unverified. 
Summary of My Request : 1. Investigate and delete any unverifiable or duplicate collection accounts listed above.

2. Require the furnishers of the inquiries to provide proof of permissible purpose or delete the inquiries immediately.

3. Ensure that my consumer rights under the FCRA ( Sections 604, 607, 609, and 611 ) and FDCPA ( Section 809 ) are fully enforced.

4. Provide written confirmation of the outcome and actions taken by the bureaus and furnishers.

These inaccurate and unauthorized entries have negatively affected my creditworthiness and caused significant XXXX  and harm. I am requesting your offices assistance to ensure full compliance and fair correction of my credit file.

Thank you for your time and attention to this matter. I trust that the CFPB will ensure these violations are properly addressed and that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief