Consumer complaint received 2025-12-04 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 to dispute multiple inaccurate accounts appearing on my consumer report. These accounts contain wrongful charge-off notations, false late payment reporting, and collection entries that I have no knowledge of. These errors violate the Fair Credit Reporting Act 15 U.S.C. 1681i regarding reinvestigation requirements and 1681e ( b ) regarding maximum possible accuracy. The continued reporting of these inaccurate items is causing ongoing financial harm, denial of opportunities, and reputational damage. I request immediate reinvestigation, correction, and where applicable deletion of the disputed accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Status : Chargeoff * * I have no knowledge of this account, no agreement, and no authorization. This account is falsely reported and continues to harm me without any proof or verification provided by the furnisher. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$30.00} Status : Chargeoff * * I have never opened this account and do not recognize it. Reporting it as a chargeoff is inaccurate and unsupported by any valid documentation. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Status : Late Payment The late payment reporting is false because I have never made any late payment. This inaccurate history is unverified and damaging.

Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 611, 609 ( a ) ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Status : Chargeoff * * I have no knowledge of this account and never authorized it. No proof has ever been provided to validate this negative reporting. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * This account is not mine, and the chargeoff reporting is entirely inaccurate and unsupported. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Status : Chargeoff * * I do not recognize this account, and no verification has been provided. Reporting a chargeoff for an unknown account violates federal accuracy rules. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Status : Chargeoff * This is not my account, and the furnisher has failed to provide any evidence of ownership or authorization. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Status : Chargeoff * * I have no connection to this account, and its continued reporting is inaccurate and harmful. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Status : Chargeoff * * This is not my account and was never authorized. No proof has been provided to support this reporting. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Status : Late Payment * * The late payment record is inaccurate because I have never made any late payment. This false reporting is affecting my credit and opportunities. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Status : Chargeoff * * I have no knowledge of this account, and no documentation has been provided to validate it. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$430.00} Status : Chargeoff * * I do not recognize this account. Reporting a chargeoff without proof violates federal law. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * This account is not mine. No verification exists to support this reporting. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * The late payment is inaccurately reported because I have never been late on any payment. 
Laws Violated : FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611 I request that the CFPB require the involved furnishers and credit bureaus to conduct a lawful reinvestigation, correct the inaccurate late payment entries, and permanently delete the charge-off and collection accounts I have no knowledge of. These entries violate federal law and continue to cause substantial harm.

Company response to consumer: Closed with non-monetary relief