Consumer complaint received 2025-12-09 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:
I am filing this complaint because multiple collection agencies and data furnishers are reporting false, inaccurate, and unverified information on my credit report, causing me significant financial harm. I repeatedly requested proper validation and documentation, but none of these furnishers have provided any original proof, signed contract, billing statements, or legal evidence showing I owe these debts. Under the Fair Credit Reporting Act, they are required to report only accurate, fully verifiable information, and any failure to verify must result in deletion. The following accounts are being reported illegally : WRONG / FRAUDULENT ADDRESSES NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is NOT my address, never lived here, never used it for any credit application. This is a case of file merging / identity errors and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Wrong address, completely incorrect, creating identity risk. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : I never lived here. This must be deleted to prevent ongoing reporting inaccuracies. 
ACCOUNTS REPORTED INACCURATELY / FRAUDULENT/ NOT MINE / INCORRECT STATUS XXXX XXXX Acct XXXX * Date Opened : XX/XX/XXXX | Balance : {$170.00} Issue : Reported as Charge Off, which is false, inaccurate, and unverified. I have no knowledge of this alleged charge-off. No original contract, billing records, payment history, or signed agreement exists. Must be deleted under FCRA 611 & 623. 
XXXX Acct XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Incorrect Late Payment reporting. I never paid late, and this is harming my creditworthiness. I am requesting correction of the payment history because the reported late payment is wrong and unsupported by documentation. 
XXXX Acct XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Wrong Charge Off reporting. I have no knowledge of this account, no contract, no payment history. Must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$330.00} Issue : Reported as a Collection. I dispute this completely. No validation has been sent to me, and this appears to be a third-party collection with no legal standing. 
XXXX XXXX XXXX Acct XXXX * * Date Opened : XX/XX/XXXX | Balance : {$9300.00} Issue : Collection account is inaccurate. I do not recognize this debt and no validation has been provided. Must be deleted per FDCPA & FCRA. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$620.00} Issue : False collection. XXXX frequently reports unverifiable debts. This account is unknown and unverified. Remove immediately. 
XXXX XXXX XXXX Acct XXXX Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : Not my account. No validation, no proof, no authorization. FCRA requires deletion when an account can not be 100 % verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Status : Collection Issue : I dispute this account as completely inaccurate and unverified. I have no contract, no agreement, no billing history, and no proof that XXXX has legal ownership or assignment of this alleged debt. No validation ever provided. Must be deleted under FCRA 611 & 623. 
XXXX Acct XXXX Date Opened : XX/XX/XXXX | Balance : {$490.00} | Status : Collection * Issue : This is not my account and appears to be a third-party collection with no lawful verification. No original documentation has ever been presented. Reporting this violates FCRA accuracy requirements. Delete immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status XXXX XXXX XXXX XXXX  Issue : This rental-related debt is not mine. I have no lease, no rental agreement, and no documentation tying me to this alleged balance. Inaccurate and unverifiable. Delete.

Unauthorized / Hard Inquiries FCRA 1681b ( No Permissible Purpose ) These inquiries were made without my knowledge, authorization, or consent. I never applied with these companies on these dates and these inquiries violate FCRA 1681b for lacking permissible purpose. 
XXXX XX/XX/XXXX Inquiry Unauthorized XXXX XXXXXX/XX/XXXX Inquiry Unauthorized CCFI XX/XX/XXXX Inquiry Unauthorized All these inquiries were pulled without my consent and must be removed immediately under FCRA 1681b ( a ) ( 2 ). 

I am requesting the CFPB to investigate these furnishers and require immediate correction or deletion of all unverified items. These companies are damaging my credit profile and violating FCRA requirements by reporting inaccurate information and refusing to provide any lawful evidence. I am requesting full enforcement action and compliance review.

Company response to consumer: Closed with non-monetary relief