Consumer complaint received 2025-11-17 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:
Dear CFPB, I am filing an official complaint regarding multiple inaccurate, unverified, and unauthorized items that are being reported on my credit report by TransUnion. These items include collections, charge-offs, and unauthorized inquiries that do not belong to me. I have disputed these items with TransUnion, but they remain uncorrected. 
I am requesting CFPB intervention to ensure the credit bureaus and furnishers comply with the Fair Credit Reporting Act ( FCRA ) and provide proper verification, or immediately remove the inaccurate information. 
XXXX XXXX Acct : XXXXXXXX XXXX  ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I do not recognize this account. I never applied for, opened, or authorized any account with this creditor. Please provide original application, signed documents, and full account history. If you can not provide proper verification, remove this account immediately. 
XXXX XXXX ( Acct : XXXXXXXX XXXX  ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no knowledge of ever having a GAP or XXXX account XXXX This appears to be a mixed-file or identity error. I request full validation, including proof of ownership and the original contract. If unverifiable, delete the account immediately. 
XXXX XXXX XXXX Bank ( Acct : XXXXXXXX XXXX ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * This account does not belong to me. I never opened any account with XXXX XXXX or XXXXXXXX XXXX Please provide all supporting documentation. If you can not validate it, the FCRA requires removal. 
XXXX XXXX XXXX  ( Acct : XXXXXXXX XXXX  ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no record of this account. I am requesting full verification including proof of identity, contract, and payment history. If these documents can not be produced, you must delete this account. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$360.00} | Opened : XX/XX/XXXX | Charge Off * * I do not recognize this creditor or any transaction associated with them. Please validate the debt with complete documentation. If not verifiable, remove it as required by federal law. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no relationship with this creditor. Please provide all verification materials. If you can not confirm ownership, this item must be removed promptly. 
XXXX XXXX, XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$6000.00} | Opened : XX/XX/XXXX | Charge Off * * I never applied for any loan with this company. This appears to be inaccurate or fraudulent. Provide validation or delete this entry immediately. 
XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$2800.00} | Opened : XX/XX/XXXX | Collection I have no knowledge of this collection account. I request full validation including original creditor information and proof of ownership. If the debt is not mine, remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$730.00} | Opened : XX/XX/XXXX | Collection This account is reporting inaccurately. I do not owe this debt. Please supply full documentation or delete the account for being unverifiable. 
XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX  High Balance : {$580.00} | Opened : XX/XX/XXXX | Collection I am not associated with this debt. Provide all validation including proof of identity and original account details. If not confirmed, delete it immediately. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$810.00} | Opened : XX/XX/XXXX | Collection * * I do not recognize this account and have never received any notice regarding it. Under the FCRA, unverified or inaccurate accounts must be removed. Please provide proper validation or delete. 
XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) High Balance : {$850.00} | Opened : XX/XX/XXXX | Charge Off * * I have never opened any account with Brightway or OneMain. This appears to be an error or fraudulent entry. Please validate with signed applications, account history, and identification records. If you can not provide these documents, the account must be deleted based on FCRA regulations requiring accuracy and verifiability. 
XXXX XXXX Date : XX/XX/XXXX I did not apply for any XXXX or XXXX credit. This inquiry is unauthorized and must be removed. 
REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Require TransUnion to conduct a thorough reinvestigation Require furnishers to provide proper validation and documentation Remove all accounts that can not be verified Remove all unauthorized inquiries Ensure compliance with all FCRA regulations These inaccurate items are harming my creditworthiness, causing financial stress, and negatively affecting my ability to obtain credit and housing. I am requesting immediate assistance to correct these issues. 
Thank you for your help and attention. I look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief