Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because the credit reporting agencies and the data furnishers listed below are reporting information that is false, unverified, and damaging to my consumer report. I have repeatedly disputed these items with the bureaus, and instead of conducting a lawful reinvestigation as required under the FCRA, they continued verifying information that is factually incorrect. I am requesting a full investigation into the following accounts Wrong Address : XXXX GREENHOUSE XXXX, TX XXXX Content : I never lived at this address, never used it for employment, billing, banking, credit, identification, utilities, or any official purpose. This address is not connected to me at any point in my life and its presence on my report is a clear indicator of identity confusion or mixed file. Under FCRA accuracy guidelines you must delete this immediately. 

Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX Content : I have no affiliation with this XXXX XXXX XXXX I never owned it, rented it, or received any mail here. Its reporting is fraudulent, harmful, and violates FCRA 609 and 611 which require proof and verification before reporting personal identifying information. This must be deleted. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Issue : Charge Off Content : I dispute this account entirely because I have no knowledge of ever opening this account or signing any agreement. The furnisher has failed to provide any contract, validation, or signature proving this debt belongs to me. Without proper verification you must delete this account under FCRA 609 ( a ) ( 1 ) and 611. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Issue : Charge Off Content : This charge-off is falsely reported. I never received statements, bills, or any legally required communication proving ownership. This is either an error or an unauthorized account. Because it is unverifiable, incomplete, and harmful it must be deleted immediately under FCRA requirements. 
XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Issue : Late Payment Content : These late payments are completely false because I have never made late payments on this account. The servicer has inaccurate payment records which violate the FCRA standard of accuracy. I am requesting correction, not deletion, to accurately reflect the true payment history. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Issue : Late Payment Content : These late payments are wrong and not supported by any proper documentation. I always made timely payments and the servicer failed to maintain accurate data. I am demanding correction of the payment history under FCRA XXXX. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Issue : Late Payment Content : The reported late payments never occurred. The servicers recordkeeping is inaccurate and violates my rights to correct reporting under FCRA. I am demanding full correction. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Issue : Late Payment Content : These late payments are being reported incorrectly, and I can confirm I never missed payments. I demand an immediate update to properly reflect my on-time payment history. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Issue : Late Payment Content : This is inaccurate reporting because the claimed late payments do not match my actual payment behavior. The account must be corrected because inaccurate payment history is harmful and illegal to report. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} Issue : Late Payment Content : These late payments are false and do not reflect my true payment activity. The servicer did not maintain accurate records therefore I demand correction under FCRA. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Issue : Late Payment Content : Completely inaccurate late payment history. I never made late payments and this misinformation violates the accuracy requirement under FCRA XXXX ( b ). 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Issue : Late Payment Content : False late payments caused by servicer error. I dispute the accuracy and demand correction to reflect the actual on-time payments. 
XXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Issue : Charge Off Content : I do not recognize this account. I never opened it, authorized it, or signed any contract. The furnisher can not verify ownership and therefore this account must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) because unverifiable information can not remain on my credit file. 
XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Issue : Late Payment Content : The late payments being reported are completely inaccurate and do not reflect my true payment behavior. I never made late payments on this account and the servicer has failed to maintain accurate payment records. I am demanding correction, not deletion, because the payment history is wrong and violates FCRA requirements for accuracy. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Issue : Late Payment Content : This late payment report is false and misleading. I always paid on time and the servicers inaccurate data is harming my creditworthiness. I demand full correction under FCRA XXXX for inaccurate payment history. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$44000.00} Issue : Late Payment Content : These late payments are not accurate and do not represent my actual payment activity. The servicers reporting is flawed and must be corrected immediately to reflect proper on-time payments. I dispute the accuracy of this reporting and demand correction. 

XXXX  XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : Late Payment Content : These late payments are wrong. I never missed payments and this reporting does not reflect my real payment activity. The furnisher has failed to maintain accurate records and I demand XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Content : This account incorrectly reports late payments even though no outstanding balance exists and I never paid late. This is inaccurate, harmful, and violates FCRA standards. I demand correction. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Content : This account reports late payments even though the balance is XXXX and I never made any late payments. This is a clear reporting error and must be corrected immediately. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$4300.00} Issue : Late Payment Content : The late payments reported here are inaccurate. I never made late payments and the servicers recordkeeping is incorrect. I am demanding full correction of the payment history under FCRA. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Issue : Late Payment Content : This late payment reporting is completely false. My payments were made on time and the servicers incorrect reporting is causing significant harm. I demand correction under FCRA XXXX. 

XXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Issue : Charge Off Content : I have no knowledge of this account and have never received any bill, agreement, or documentation connecting me to this charge-off. Because the furnisher can not verify this account with legally valid documents it must be deleted under FCRA verification requirements. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$8200.00} Issue : Late Payment Content : These late payments are inaccurately reported. I did not make late payments and the creditors records are incorrect. This must be corrected because inaccurate payment history violates FCRA and severely harms my credit. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Issue : Late Payment Content : This late payment reporting is false. I never made late payments and the furnisher has failed to maintain accurate records. I am demanding immediate correction to reflect my true payment history. 
FIG XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Content : This late payment reporting is completely inaccurate because I never paid late on this account. The furnisher has failed to maintain accurate and complete payment records. Under FCRA accuracy requirements this must be corrected to reflect my true on-time payment history. 

XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off Content : I do not recognize this charge-off. I was never notified, billed, or provided any agreement proving I opened this account. Because the furnisher can not validate ownership under FCRA XXXX ( a ) ( XXXX ) this account is unverifiable and must be deleted immediately. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Issue : Charge Off Content : I dispute this charge-off in full because I have no knowledge of this account and never received any documentation proving that this debt belongs to me. Without proper verification this account can not legally remain on my report and must be deleted. 

XXXX  XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Content : This late payment status is inaccurate since I never made any late payments. The reporting is faulty and harmful and must be corrected to reflect accurate payment history under FCRA XXXX. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Issue : Collection Content : I dispute this collection account because I do not recognize it and never authorized or received any validation of this alleged debt. The furnisher can not provide any signed agreement or proof of ownership ; therefore this must be deleted as an unverifiable account. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Issue : Collection Content : I have no knowledge of this account and never received a validation notice. The reporting is inaccurate and violates FCRA requirements for verifiable information. I demand immediate deletion. 

XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Issue : Collection Content : This account is not mine and I never authorized any transaction with this company. Because the furnisher can not validate or prove ownership this account is unverifiable and must be deleted under FCRA guidelines. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Issue : Collection Content : This is inaccurate reporting because I have no connection to this account and the furnisher has not provided sufficient verification. This account must be removed for being unverifiable and harmful. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Issue : Collection Content : I dispute this collection because I do not recognize the account and have never received any documentation proving that I owe this debt. The furnisher has failed to provide a valid contract, billing history, or proof of ownership. Since the account is unverifiable under FCRA 609 ( a ) ( 1 ) it must be deleted. 

I am requesting the CFPB to take action because the credit bureaus are repeatedly verifying false information without investigating my disputes. The furnishers listed above are reporting data that is incomplete, inaccurate, and unverified. Their actions have caused me financial harm, including credit denials and higher interest rates, due to the continued reporting of false late payment histories. These furnishers have failed to meet the standards of maximum accuracy as required by federal law. The reporting is damaging, misleading, and unlawful. I demand a full investigation into each furnisher and the credit bureaus regarding their failure to provide proof of accuracy, failure to validate disputed information, and failure to comply with the FCRA. I request the immediate correction of all inaccurate information and the removal of all unverifiable data

Company response to consumer: Closed with non-monetary relief