Consumer complaint received 2025-12-01 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 multiple accounts and inquiries on my credit report are being reported inaccurately, without verification, and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items with the credit bureaus, but they continue to appear even though the information is false, unverified, and in some cases duplicated. These errors are causing severe damage to my creditworthiness, financial stability, and ability to obtain housing and credit. I am requesting the CFPB to investigate these violations and require the furnishers and credit reporting agencies to correct or delete this inaccurate data. 
WRONG ADDRESSES ( NEVER BELONGED TO ME ) ( Please REMOVE immediately under FCRA 602 ( A ), 607 ( B ), 609 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I never lived at this address, never received mail here, never used it on applications. I demand removal because this creates risk of mixed-file errors and identity fraud concerns. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Never lived here, never used it, never provided this to any institution. I demand deletion and verification of how this appeared on my file. 
ACCOUNTS ( UNVERIFIED / UNKNOWN / NO KNOWLEDGE ) Under FCRA 611, I request full verification. Under FCRA 609 ( a ) ( 1 ) ( A ), I want the original signed contract, complete payment history, name of the person who verified, and method of verification. 
If you can not produce actual physical evidence, these accounts must be DELETED. 
XXXX XXXX XXXX Charge Off High Balance : {$5100.00} | Date Opened : XX/XX/XXXX This appears to be a duplicate of the above account, which violates FCRA accuracy requirements. I dispute this account fully and request deletion for lack of verified proof. 
XXXX XXXX XXXX Charge Off High Balance : {$19000.00} | Date Opened : XX/XX/XXXX This is another duplicate account. Duplicate reporting is harmful and illegal under FCRA 607 ( B ). I demand deletion because you can not verify duplicates as legitimate. 
XXXX XXXX Charge Off High Balance : {$16000.00} | Date Opened : XX/XX/XXXX I dispute this account. I request verification with my signature, statements, and contract. If such documentation can not be produced, this account must be removed as unverified. 
XXXX XXXX XXXX Charge Off High Balance : {$10000.00} | Date Opened : XX/XX/XXXX This also appears to be another duplicate. Duplicates artificially damage my credit. Remove immediately under FCRA. 
XXXX XXXX Charge Off High Balance : {$3900.00} | Date Opened : XX/XX/XXXX I dispute this account and request full verification. Provide contract, statements, and all documentation. If not available, delete immediately. 
XXXX XXXX XXXX Charge Off High Balance : {$13000.00} | Date Opened : XX/XX/XXXX I dispute this account completely. I do not recognize the account, the balance, or any contract linked to it. Provide the original signed application, statements, and all verification documents. If not, delete this account for being unverified and inaccurate. 
XXXX XXXX XXXX  High Balance : {$4600.00} | Date Opened : XX/XX/XXXX I have no knowledge of this debt. This collection appears to be unverified or assigned without proper validation. Provide proof of ownership, contract, itemized statements, and chain of assignment. If these can not be provided, delete this account immediately under FCRA 611. 
I respectfully request the CFPB to : 1. Force the furnishers to provide full documentation, validation, and legal proof of these accounts.

2. Require the credit reporting agencies to conduct a full, lawful reinvestigation as required under FCRA 611.

3. Delete all accounts that can not be 100 % verified with proper documentation.

4. Hold the furnishers accountable for reporting inaccurate, unverified, and harmful information.

I certify that all statements above are true and correct to the best of my knowledge. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief