Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I, XXXX XXXX, am filing this complaint because my Experian, TransUnion, and Equifax credit reports contain multiple inaccurate items, accounts that appear to be the result of identity theft or a mixed file, and unauthorized inquiries. These errors are causing serious harm to my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I am invoking my rights under FCRA sections 602A, 605B, 607 ( b ), 609 ( a ) and 609 ( e ), 611, and 623 ( a ) ( b ), as well as FDCPA sections 807 and 809 ( b ). I am requesting that the CFPB investigate the credit bureaus and the furnishers listed below, and that all unverifiable and fraudulent information be removed or blocked from my file.

1. Inaccurate personal information / mixed file My credit report shows multiple addresses that are not accurate for me and appear to be tied to fraudulent or mixed-file activity, including : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Reporting incorrect and mixed personal information violates FCRA XXXX and 607 ( b ), which require reasonable procedures to assure maximum possible accuracy. Because some of these items are connected to accounts that I am disputing as identity theft, I am also invoking FCRA 605B and asking that any information resulting from identity theft be blocked.

2. Unauthorized and unverified hard inquiries My Experian report shows multiple hard inquiries that I do not recognize or did not authorize, including but not limited to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( a ) ( 2 ) and 609 ( e ), the bureaus and furnishers must have a permissible purpose and must be able to provide documentation showing that I authorized these pulls. Any inquiry for which they can not provide proper authorization and documentation should be deleted.

3. Accounts that are not mine, are fraudulent, or contain serious inaccuracies The following accounts are appearing on my Experian report and are either not mine, the result of identity theft or a mixed file, or are being reported inaccurately : Credit cards : XXXXXXXX XXXX XXXX XXXXXXXX balance around XXXX dollars, reported with late payment. 
XXXX XXXXXXXX XXXX XXXXXXXX another XXXX XXXX entry with a higher balance and late payment. 
XXXX XXXXXXXX XXXX  balance around XXXX dollars, shown as potentially negative. 

XXXX or XXXX : XXXXXXXX XXXX balance around XXXX dollars. 

Auto loans or leases : XXXX XXXX XXXX approximately XXXX dollars, reported with late payment. 
XXXX XXXX XXXX reported with a XXXX balance but still flagged as potentially negative. 
XXXX XXXX approximately XXXX dollars, flagged as potentially negative. 

Student loans : Multiple Department of Education XXXX XXXX loans, each showing late payment, with balances around XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX dollars, with recent update dates in XXXX. Some of these appear to be duplicate tradelines for the same underlying obligation and are being reported with repeated late payment histories. 

Buy now pay later / personal loans : Several XXXX XXXX accounts, each marked late payment, with balances around XXXX ; XXXX ; XXXX ; and XXXX dollars, updated in XX/XX/XXXX. These appear duplicative and I do not recognize all of them as mine. 

Collections : XXXX XXXX XXXX reporting a collection with XXXX XXXX XXXX as the original creditor in the amount of approximately XXXX dollars. 

Many of the above accounts are either not mine, appear to be duplicate or split tradelines, or have been reported with inaccurate balances, dates, and late payment histories. I have not been provided with any signed contracts, original applications, or other documents proving that I opened or authorized these specific accounts. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate, and under 623 ( b ) they must conduct a reasonable investigation when notified of a dispute. For any account that can not be fully verified with original documentation showing I opened it, I am requesting that it be deleted or blocked as identity theft under FCRA 605B. 
XXXX. Duplicated entries and inconsistent reporting My report shows multiple nearly identical entries for Department of EducationXXXX and multiple small XXXX accounts. These look like the same debts being reported multiple times and with repeated late history. XXXX is reporting as potentially negative with a XXXX balance, which is misleading. Duplicate and inconsistent reporting violates FCRA 607 ( b ) and 623 ( a ) ( 2 ), because the information is not maximally accurate and artificially damages my creditworthiness.

5. Collection reporting without proper validation XXXX XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in the amount of about XXXX dollars. I have not received full validation of this debt. They have not provided an itemized statement, proof of assignment or purchase, or a copy of any original signed contract. Under FDCPA 809 ( b ) and FCRA 623, if a debt collector or furnisher can not validate the debt and show it actually belongs to me, it should not be reported and must be removed.

6. Bankruptcy reporting My report includes a XXXX XXXX  bankruptcy public record from XXXX. I want to ensure the filing date, status date, and all associated data are being reported correctly and not being used to extend the reporting period or to connect me to accounts that are not mine. If any part of this public record is inaccurate or is being used beyond the allowed time limits under FCRA 605 ( a ), it should be corrected or removed.

Company response to consumer: Closed with explanation