Consumer complaint received 2025-10-09 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 against Equifax, Experian, and TransUnion for their collective failure to ensure the accuracy and integrity of information contained in my consumer credit reports. Despite multiple written disputes sent on XX/XX/2025, and delivered by mail to each bureau, these agencies have failed to verify, correct, or remove accounts that are inaccurate, incomplete, duplicated, or unverified under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The reporting of these items has caused measurable harm to my creditworthiness, including denial of credit opportunities and disruption to my ability to secure housing and mortgage financing for my family.

Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ) : Each bureau continues to report accounts that are inaccurate, duplicated, or unverifiable, despite clear notice of dispute and supporting documentation.

Failure to reinvestigate disputed information ( FCRA 1681i ( a ) ) : The bureaus have failed to provide verified documentationsuch as an original signed consumer contract or applicationproving the validity of disputed accounts within the statutory 30-day period.

Failure to block fraudulent and identity-theftrelated information ( FCRA 1681c-2 ) : I reported specific accounts as identity theft, with supporting FTC identity theft documentation . These items remain on file in violation of my statutory rights.

Improper handling of inquiries ( FCRA 1681b ( c ) ) : Several inquiries were made without my authorization and are unrelated to any open or legitimate credit account.

Failure to cease and desist unauthorized communication ( FDCPA 805 ( c ) ) : The credit reporting agencies and their associated furnishers failed to cease reporting or verifying debts that remain unvalidated, after written notice under 1692c ( c ).

Disputed Accounts ( Consolidated from All Three Bureaus ) Creditor / Furnisher Account Number ( last digits ) Issue XXXX XXXX  XXXX False and misleading reporting in violation of FDCPA 807. Unverified. 
XXXX XXXX XXXX XXXX XXXX / XXXX Unverified and duplicated reporting across bureaus. No validation received after >30 days. 
XXXX  XXXX XXXX No proof of validation provided. Continued reporting despite dispute. 
XXXX XXXX XXXX XXXX / XXXX Unverified ; no response from furnisher ; duplicate reporting. 
XXXX XXXX Duplicated account entry across bureaus. 
XXXX XXXX XXXXXXXX / XXXX / XXXX / XXXX Duplicate listings constituting FCRA violations. 
XXXX XXXX XXXX XXXX ending XXXX / XXXX / XXXX Unverified ; furnisher failed to validate within statutory period. 
XXXX XXXX XXXX XXXX Duplicate and inaccurate reporting. 
XXXX  XXXX Identity theft ; not my account ; FTC report provided. 
XXXX XXXX Identity theft ; not my account ; FTC report provided. 
XXXX XXXX XXXX Account paid as agreed and never late ; bureaus are inaccurately reporting delinquencies or misstatus.

Company response to consumer: Closed with non-monetary relief