Consumer complaint received 2025-11-18 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 the credit bureaus and several debt collectors are reporting fraudulent, inaccurate, and unverified collection accounts and unauthorized hard inquiries on my consumer credit reports. I have no knowledge of these accounts, never opened them, never authorized any inquiry, and the bureaus failed to follow FCRA procedures during reinvestigation.

I previously disputed these items with the credit bureaus, but they verified them without providing any proof, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ), and FDCPA 807, 808, 809. 
Below are the accounts I am complaining about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Unknown to me. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Not my residence. Remove this inaccurate address. 
DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Not my account. I never opened or authorized this. Please delete. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$620.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  I have no knowledge of this account. Delete immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  Not mine. Remove. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  Not my account. Delete immediately for lack of verification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Fraudulent/unknown. Must be deleted. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Charge Off * * I have no connection to this account. Delete it. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$190000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX These late payments are wrong. I never missed payments. Correct the reporting. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment * * Incorrect late payment reporting. Please correct to Paid as agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Late PaymenXXXX XXXX XXXX Reporting error. Correct the payment history. 
XXXX Acct : XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX These late payments are false. Correct immediately. 
XXXX Acct : XXXXXXXX XXXX High Balance : XXXX Date Opened : XXXX XXXX XXXXXXXX XXXX XXXX The reported late payments are inaccurate. Correct them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$36000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Wrong reporting. Update the account to reflect on-time payment history. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$120.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  I do not recognize this account. No contract, no agreement. Please delete under FCRA XXXX. 
XXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX This is not my account. I never opened any account with this company. Delete immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Unknown and unverifiable. Remove this item. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX This is not mine. I never authorized this debt. Delete. 
XXXX XXXX Acct : XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection * * I have no connection to this account. Delete immediately. 
UNAUTHORIZED HARD INQUIRIES I DID NOT PERMIT THESE Under FCRA 604 and 607, a hard inquiry requires written authorization. 
These companies pulled my credit without my permission. 
I demand deletion of all inquiries below : XXXX XX/XX/XXXX XXXX Not authorized by me. 
XXXX XX/XX/XXXX XXXX Must be deleted. 
XXXX XX/XX/XXXX XXXX I did not apply with this company. 
XXXX XX/XX/XXXX XXXX Remove this unauthorized credit pull. 
XXXX XX/XX/XXXX XXXX Not mine. Delete. 
XXXX XX/XX/XXXX XXXX Remove this inquiry. 
XXXX XX/XX/XXXX XXXX Not authorized. 
XXXX XX/XX/XXXX XXXX Delete this unauthorized inquiry. 
Requested Action from CFPB I request the CFPB to : 1. Order the credit bureaus to delete all unverified collection accounts 2. Order the bureaus to delete all unauthorized inquiries 3. Require furnishers to provide real validation or remove the accounts 4. Force the bureaus to comply with a lawful FCRA 609 ( a ) investigation 5. Require the bureaus to send me corrected reports XXXX. Investigate all companies involved for FCRA and FDCPA violations

Company response to consumer: Closed with non-monetary relief