Consumer complaint received 2025-12-01 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:
Dear CFPB, I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute, correct, or delete false and misleading information. Many of these accounts are either reported with false late payments, collections I do not recognize, or unauthorized hard inquiries. 
I request an immediate investigation and correction or deletion of the following items : XXXX XXXX XXXX XXXX, High Balance : {$10000.00}, Opened : XX/XX/XXXX Late Payment I never made late payments on this account. The reporting of late payments is false and violates FCRA 1681s-2 ( b ). Please correct the payment history to reflect accurate, on-time payments. 
XXXX Account XXXX, High Balance : {$1400.00}, Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account. I dispute its validity and request full deletion from my credit report. Continued reporting is a violation of my rights under FCRA. 
XXXX Account XXXX, High Balance : {$770.00}, Opened : XX/XX/XXXX Chargeoff I do not recognize this account. There is no legal basis for this charge-off to appear on my credit report. I demand immediate deletion. 
XXXX Account XXXX, High Balance : {$55000.00}, Opened : XX/XX/XXXX Late Payment I have never been late on this account. Reporting late payments is inaccurate, misleading, and violates FCRA 1681i. The account history must be corrected to show accurate payment status. 
XXXX Account XXXX, High Balance : {$2200.00}, Opened : XX/XX/XXXX Late Payment This account contains false late payment reporting. I demand correction of payment history to reflect my accurate record. 
XXXX  Account XXXX, High Balance : {$1800.00}, Opened : XX/XX/XXXX Late Payment The late payment status is incorrect. I request immediate correction of my account payment history. 
XXXX Account XXXX, High Balance : {$3500.00}, Opened : XX/XX/XXXX Late Payment I never missed any payment. FCRA 1681s-2 ( b ) requires reporting of accurate information. Correct payment history immediately. 
XXXX Account XXXX, High Balance : {$5500.00}, Opened : XX/XX/XXXX Late Payment This reporting is false. I request the credit bureau to update my account history to remove all inaccurate late payment marks. 
XXXX Account XXXX, High Balance : {$5000.00}, Opened : XX/XX/XXXX Late Payment I have never been late on this account. FCRA 1681s-2 ( b ) requires accurate reporting. Please correct my payment history to reflect on-time payments. 
XXXX XXXX Account XXXX, High Balance : {$13000.00}, Opened : XX/XX/XXXX Late Payment The late payment status is false and inaccurate. Immediate correction is required under FCRA. 
XXXX XXXX Account XXXX, High Balance : {$530.00}, Opened : XX/XX/XXXX Collection I do not recognize this account. Reporting it as a collection is inaccurate. I demand full deletion. 
XXXX Account XXXX, High Balance : {$2500.00}, Opened : XX/XX/XXXX Collection This collection is unknown to me. Continued reporting violates FCRA 1681i. Please delete immediately. 
I request that the credit bureaus investigate each of these items, correct inaccurate payment history, and delete unverifiable accounts and unauthorized inquiries. Provide me with written confirmation of the results. 
Failure to correct these inaccuracies may result in further action under FCRA 1681n and 1681o, including reporting violations to regulatory authorities.

Company response to consumer: Closed with non-monetary relief