Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
XXXX ) Esurance ( an XXXXXXXX XXXX XXXX {$110.00} Issue : Reported as a collection even though the balance was paid before any valid collection activity should have occurred.

Action taken : I paid the {$110.00} directly to Esurance, I asked the furnisher/agency to verify the date of payment and correct the reporting. 

XXXX ) XXXX XXXX  {$0.00} balance Issue : This account does not belong to me. 
Action : I discovered this tradeline on my report and disputed it with the CRAs/furnisher. I have no account, card, or contract with XXXX XXXX. Possible identity theft or mixed file. Under FCRA 611/623, the furnisher must be able to demonstrate original account-level documentation ( application/contract with my signature or authenticated digital acceptance, statements, and chain of custody ). A verified code response without documentation is insufficient. 

XXXX ) XXXX XXXX {$9600.00} Issue : This account does not belong to me. I do not have any account with XXXX XXXX matching this number/amount. 

Action : I discovered this tradeline on my report and disputed it with the CRAs/furnisher. I have no account, card, or contract with XXXX XXXX. Possible identity theft or mixed file. Under FCRA 611/623, the furnisher must be able to demonstrate original account-level documentation ( application/contract with my signature or authenticated digital acceptance, statements, and chain of custody ). A verified code response without documentation is insufficient. 

XXXX ) XXXX XXXX {$25000.00} Issue : This account does not belong to me. I do not have any account with XXXX XXXX matching this number/amount. Likely identity theft or file mixing. Reasonable investigation requires original signed contract/application and account records. 

Action : I discovered this tradeline on my report and disputed it with the CRAs/furnisher. I have no account, card, or contract with XXXX XXXX. Possible identity theft or mixed file. Under FCRA 611/623, the furnisher must be able to demonstrate original account-level documentation ( application/contract with my signature or authenticated digital acceptance, statements, and chain of custody ). A verified code response without documentation is insufficient.

5 ) XXXX XXXX XXXX  {$33000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to Missouri Higher XXXX XXXX XX/XX/year> XXXX 
XXXX ) XXXX  XXXX XXXX {$24000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX {$24000.00} Issue : This account does not belong to me. 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to Missouri Higher XXXX XXXX XX/XX/year> XXXX 

XXXX ) Missouri XXXX XXXX {$23000.00} Issue : This account does not belong to me. 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Missouri XXXX XXXX {$22000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX  XXXX 
XXXX ) XXXX  XXXX XXXX {$18000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$9300.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5300.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} ( new ) Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} ( new ) Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} Issue : This account does not belong to me ( identity theft/mixed file ). 

Action taken : Disputed with Equifax, TransUnion, and Experian requested verification using original authenticated promissory note/application and full servicing records, sent a XXXX direct furnisher dispute to XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX

Company response to consumer: Closed with explanation