Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because multiple inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXXXX/XX/XXXXXXXX WRONG ADDRESS This address does not belong to me and has never been part of my residential history. Reporting a false address creates identity confusion. Remove immediately under FCRA 609 ( a ) and 611.

ACCOUNTS BEING DISPUTED FOR INACCURACIES, NO VERIFICATION, WRONG REPORTING, AND INVALID DATA ( All issues are explained directly under each account as you requested. ) XXXX XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$590.00} Date Opened XX/XX/XXXX * * I have no knowledge of this charge-off. The creditor has never provided legal verification or contractual proof with my signature. Reporting is inaccurate and violates FCRA 609 & 611. Delete. 
XX/XX/XXXXAccountXX/XX/XXXXCHARGE-OFF High Balance {$990.00} Date Opened XX/XX/XXXX * * This account does not match my records. The balance and dates are inconsistent with any account I have ever opened. This appears to be a mixed file. Delete immediately. 
XXXXXX/XX/XXXXXXXX AccountXX/XX/XXXX CHARGE-OFF High Balance {$460.00} Date Opened XX/XX/XXXX * * This account is unverifiable. No signed agreement has ever been provided. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be removed. 
XXXX Account XX/XX/XXXXCHARGE-OFF High Balance {$630.00} Date Opened XX/XX/XXXX * * I dispute the accuracy of this account. The reporting dates appear manipulated and do not align with my credit history. I demand deletion. 
XX/XX/XXXXAccount XX/XX/XXXXCHARGE-OFF High Balance {$750.00} Date Opened XX/XX/XXXX * * This account can not be verified. The reporting furnisher has failed to validate under 609. Remove immediately. 
XX/XX/XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$0.00} Date Opened XX/XX/XXXX * * A charge-off with a XXXX balance is logically and legally inconsistent. This is an obvious reporting error. Delete. 
XX/XX/XXXX Account XX/XX/XXXXXXXX CHARGE-OFF High Balance {$2600.00} Date Opened XX/XX/XXXX * I have no knowledge of this debt. No documentation has been provided. This is inaccurate and harmful. Remove. 
XX/XX/XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$8200.00} Date Opened XX/XX/XXXX * * This account contains multiple inconsistencies in reported balance, delinquency dates, and status. Creditor has failed to validate. Delete. 
XXXX XXXX AccountXX/XX/XXXX CHARGE-OFF High Balance {$18000.00} Date Opened XX/XX/XXXX * * This account is inaccurately reported. The dates and balance appear altered. Verification has not been provided. Remove. 
XX/XX/XXXX AccountXX/XX/XXXXCHARGE-OFF High Balance {$3300.00} Date Opened XX/XX/XXXX * * I dispute the validity of this account. No proof has ever been given. Delete under XXXX. 
XX/XX/XXXX AccountXX/XX/XXXX LATE PAYMENT High Balance {$24000.00} Date Opened XX/XX/XXXX * * These late payments are wrong and do not reflect my payment history. I never missed or paid late. Correct immediately under FCRA 607 ( b ). 
XX/XX/XXXX High Balance {$460.00} Date Opened XX/XX/XXXXXX/XX/XXXX I do not recognize this collection. The collector has not validated. This is reporting illegally without proof. Delete immediately. 
XXXX XXXX XXXX AccountXX/XX/XXXX High Balance {$5500.00} Date Opened XX/XX/XXXX * * This collection is unknown to me. I never received any notices or validation as required by FDCPA 809. Remove immediately. 
XX/XX/XXXX AccountXX/XX/XXXXHigh Balance {$630.00} Date Opened XX/XX/XXXX * * I have no knowledge of this account. XXXX is reporting without proper validation. Delete under the FCRA and FDCPA. 
XXXX XXXX XXXX Account XX/XX/XXXX High Balance {$2900.00} Date Opened XX/XX/XXXX * * I do not recognize this account. No validation has ever been provided. The balance and dates are inconsistent and appear fabricated. Delete immediately. 
XXXX XXXX XXXX Account XX/XX/XXXXHigh Balance {$480.00} Date Opened XX/XX/XXXXXX/XX/XXXXI have zero knowledge of this debt. XXXX is reporting without proof or original contract. This is an invalid and unverifiable collection. Remove immediately. 
XXXX XXXX XXXX Account XX/XX/XXXXXX/XX/XXXX High Balance {$2000.00} Date Opened XX/XX/XXXX * * Unverified, unknown, and never validated. This appears to be a duplicate of another XXXX XXXX account. Mixed-file error. Delete. 
XX/XX/XXXXHigh Balance {$720.00} Date Opened XX/XX/XXXX * * I never had an account with this company. The collector has failed to validate under FXX/XX/XXXX Information is inaccurate and must be removed. 
XXXX XXXX XX/XX/XXXX High Balance {$840.00} Date Opened XX/XX/XXXX * * This account does not belong to me. Wrong dates, wrong balance, and no supporting documentation provided. Delete immediately. 
XXXX XXXXXX/XX/XXXXHigh Balance {$720.00} Date Opened XX/XX/XXXX * * Another unverified and unknown account from the same collector. Possible duplicate entry or mixed file. Reporting violates FCRA 607 ( b ). Remove. 
XXXX XXXX XXXX AccountXX/XX/XXXXHigh Balance {$61.00} Date Opened XX/XX/XXXX * * This account is unfamiliar and unverified. Such a small balance with no communication or validation is suspicious and inaccurate. Delete. 
UNAUTHORIZED & INACCURATE HARD INQUIRIES ( These were not authorized by me. Many are duplicates, suspicious, or have no permissible purpose, which violates FCRA 604. ) XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I never applied for credit with this company. Remove. 
XXXX XXXX XX/XX/XXXX This is a duplicate inquiry from the same lender on the same date. Duplicate inquiries must be removed. 
XXXX XXXX XX/XX/XXXX Third duplicate inquiry from same source. Violates FCRA 604. Delete.

WHAT I AM REQUESTING I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

Company response to consumer: Closed with non-monetary relief