Consumer complaint received 2025-11-24 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 because multiple companies and the credit bureaus are reporting inaccurate, unverified, unauthorized, and false information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have repeatedly disputed these items with the credit bureaus, but they have failed to conduct a lawful reinvestigation or provide validation. The accounts below are not mine, not authorized, never validated, or incorrectly reported, yet they remain on my report. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been mine and has XXXX connection to me. I never lived here, never used this address, and it must be removed immediately as it violates FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never resided at this address and never authorized any reporting connected to it. XXXX deletion required. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment You are reporting a late payment that never occurred. I was never late, and there is no proof showing otherwise. Correct the payment history to on-time immediately under FCRA 607 ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Charge Off This is another account that I do not recognize. No contract, no authorization, no ownership. FCRA requires deletion if you can not verify with proper documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} Late Payment These late payments are false. I was never late, and your reporting has no evidence. Correct the history to reflect on-time payments. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Charge Off I have no knowledge of this account. You are reporting a charge-off that does not belong to me. Provide contract, signature, proof of ownership otherwise DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment There is no valid reason for a late payment to be listed because I was never late. This reporting is inaccurate and must be fixed immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection This alleged collection is not mine, and no debt collector has provided any validation. Remove immediately under FDCPA 809 ( b ) + FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Collection I have no connection to this debt. XXXX has not validated anything. This is unverifiable, inaccurate, and must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Collection I do not recognize this alleged collection. I never opened any account with XXXX, never authorized any contract, and have no connection to this debt. This is inaccurate, unverified, and must be deleted immediately under FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection This entry is false. I have no knowledge of any account assigned to XXXX. No notice, no contract, no validation was ever sent. If XXXX can not produce real proof, this entire account must be removed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Collection I do not recognize this Portfolio collection. I never received any communication or validation, which is required by law. This reporting is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection Another XXXX  account that I do not know, do not own, and did not authorize. This appears to be identity mix-up or inaccurate reporting. Delete immediately unless full legal evidence is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection This is yet another fraudulent LVNV entry. I never opened this account and XXXX has failed to validate anything. This item is unverified and must be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Collection I do not recognize this XXXX Data debt. I never received any verification notice. This is unverified, inaccurate, and must be deleted under FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Collection I have XXXX knowledge of this alleged collection. No written validation or proof has ever been provided by any collector. This is illegal unverified reporting and must be deleted. 
XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Another unauthorized inquiry. I did not apply for anything with this company. Remove this immediately. 
XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry I did not authorize any credit pull with XXXX XXXX or any associated lender. This inquiry is fraudulent and must be deleted. 
XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry on the same date. This is clear inaccurate reporting and must be deleted. 
XXXX XXXX Date : XX/XX/XXXX XXXX XXXX This is another unauthorized inquiry that I never permitted. Delete immediately. 
I am requesting that the CFPB take immediate action to force the credit bureaus and the furnishers to : 1. Fully investigate these accounts and inquiries as required by FCRA 611.

2. Provide complete validation, including original signed contracts and full account documentation.

3. Delete all accounts and inquiries that can not be fully verified.

4. Penalize furnishers that are reporting false, inaccurate, or unverified information.

5. Ensure compliance with FCRA and FDCPA requirements.

These errors are damaging my credit, affecting my ability to obtain housing, transportation, and financial stability. I am requesting immediate intervention and a full investigation by the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief