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:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items appearing on my credit report. These items are severely damaging my creditworthiness, financial reputation, and ability to obtain credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), and request immediate investigation, correction, or deletion of the items listed below XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Wrong Address I have no connection to this address. Its inclusion on my credit report is false and misleading, causing undue negative impact. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is incorrectly attributed to me. Such inaccurate reporting is a violation of my rights under FCRA and must be corrected immediately. 
XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account, have never opened it, and have never authorized any activity under this account number. This account may represent identity theft or reporting error. Under FCRA 1681i ( a ) ( 1 ), any unverifiable account must be removed immediately. 
XXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments on this account are inaccurate. I have never made late payments on this account, and the reporting fails to accurately reflect my payment history. I demand correction of this account to reflect accurate, on-time payments as per FCRA 1681i. 
XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Similar to above, late payments are incorrectly reported. This information is false, materially misleading, and must be corrected immediately. 
XXXX XXXX XXXX XXXX : {$900.00} Date Opened : XX/XX/XXXX XXXX This account does not belong to me. Any negative reporting related to this account is inaccurate and must be removed. 
XXXX XXXX XXXX XXXX : {$1200.00} Date Opened : XX/XX/XXXX XXXX I am unaware of this account. Chargeoff reporting is false, violating FCRA 1681i ( a ) ( 1 ). Immediate deletion is required. 
XXXX XXXXXXXX XXXX XXXX : {$670.00} Date Opened : XX/XX/XXXX XXXX I never opened this account and have no knowledge of it. Reporting this account is inaccurate and damaging to my credit profile. 
XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Chargeoff I dispute the validity of this account. I have no record of charges, defaults, or agreement under this account number. Please remove it immediately. 
XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Late Payment Late payments are incorrectly reported. I have always maintained timely payments on this account. I request immediate correction to reflect accurate payment history. 
XXXX XXXX High Balance : {$5400.00} Date Opened : XX/XX/XXXX XXXX I have no knowledge of this account. Any charge-off status reported is false and unverified. Reporting such an account without validation violates FCRA 1681i ( a ) ( 1 ) and must be removed immediately. 
XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment on this account is incorrect. I have always maintained timely payments, and this reporting is inaccurate. I request correction to reflect my true payment history. 
XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account. Charge-off status is unverified and misleading. Immediate deletion is required under FCRA 1681i ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reporting. My payment history has been timely, and the reported delinquency is inaccurate and misleading. 
XXXX XXXX High Balance : {$55000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I demand immediate correction to reflect accurate payment history and prevent further damage to my credit profile. 
XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection I dispute the validity of this collection account. I have no record or knowledge of this debt. Reporting this account without verification is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and falsely reported. XXXX removal is requested under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. Collection reporting is inaccurate and misleading. Please delete this account immediately. 
XXXX XXXX XXXX XXXX : {$6800.00} Date Opened : XX/XX/XXXX XXXX I dispute this account entirely. The reported collection is false and unverifiable, and must be removed under FCRA. 
XXXX XXXX XXXX XXXX High Balance : {$8100.00} Date Opened : XX/XX/XXXX Collection I have no record of this debt. Reporting this account is inaccurate and damaging to my credit. Immediate deletion is required. 
XXXX XXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Collection This collection account is incorrectly reported. I have no knowledge of it. Please delete immediately. 
XXXX XXXX XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Collection I dispute this account. Collection reporting is false, unverified, and must be removed to correct my credit file. 
XXXX XXXX XXXXXXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. My payment history has been accurate and timely. Correction is required. 
XXXX XXXX XXXXXXXX High Balance : {$170.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this collection account. Reporting it without verification violates FCRA 1681i ( a ) ( 1 ) and must be deleted immediately. 
These inaccurate and unverifiable accounts and inquiries are causing substantial harm to my credit profile. Under FCRA 1681i, I request that all disputed items be investigated, verified, and corrected or deleted. If verification can not be provided, these accounts and inquiries must be removed immediately from my credit file.

I am attaching copies of my identification and any supporting documentation to assist in your investigation. I expect written confirmation of your findings, corrections, or deletions within the legally mandated 30-day period.

Company response to consumer: Closed with non-monetary relief