Consumer complaint received 2025-11-19 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:
To Whom It May Concern, I am formally filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, unverified, duplicated, fraudulent, and unauthorized information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) including 602 ( A ), 604, 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). I have repeatedly requested verification, validation, correction, and evidence for these accounts, yet none of the furnishers have provided any actual documentation, billing statements, contracts, identity verification, or legally required validation. Below are the specific items being disputed, all of which are violating federal law and damaging me financially. 
XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS I never used this XXXX XXXX XXXX This is identity contamination and must be deleted per FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  WRONG ADDRESS Never resided here. No records exist linking me to this address. Delete immediately. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$110000.00} LATE PAYMENT * * Late payment reporting is completely false. I was never late and no verified billing record or timestamped payment history has been provided to prove delinquency. This violates FCRA 623 ( a ) ( 1 ) ( A ). Correct this history immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$530.00} CHARGEOFF * * I have no knowledge of this alleged charge-off. No contract, no application, no validation. This furnisher failed to verify identity before reporting. Must be deleted as fraudulent. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} LATE PAYMENT * * The late payment is 100 % inaccurate. I never missed any due date and no proof has been provided. Reporting false derogatory information violates FCRA 607 & 623. Correct immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} CHARGEOFF * * I dispute this account entirely. I do not recognize this debt, and no signed contract or validation exists. This is an unverified charge-off and must be deleted per FCRA 611. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} LATE PAYMENT * * This late payment is inaccurate and unverifiable. I was never delinquent and demand correction under FCRA 623. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} CHARGEOFF * * I dispute this entire account. I have no knowledge of this account, no contract, and no proof. Must be deleted as fraudulent. 
XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT * * Late payment reporting is false. I never made late payments and no evidence has been provided. Correct immediately. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$95.00} LATE PAYMENT * * This late payment is completely inaccurate. I never made any late payments on this account, and the furnisher has failed to provide billing statements, timestamped payment evidence, or any verified delinquency proof. This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. Correct immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$250.00} CHARGEOFF * * I have no knowledge of this account. No signed contract, application, identity verification, or debt validation exists. This is an unverifiable and fraudulent entry. Under FCRA 611, this account must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} CHARGEOFF * * This is a duplicate and fraudulent account. I do not recognize this debt. The furnisher has failed to provide any proof and did not verify identity before reporting. This violates FCRA XXXX ( b ). Remove immediately. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT * * This late payment is 100 % incorrect. I never made any late payments, and no evidence has been provided to verify delinquency. This violates FCRA 607 ( b ) for failure to ensure maximum accuracy. Correct this reporting. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} COLLECTION * I have no knowledge of this collection account. No validation notice, no original creditor documentation, and no signed agreement exists to verify this debt. This is an unverifiable entry and must be deleted under FCRA 611. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} COLLECTION * * This collection account is inaccurate and fraudulent. XXXX has never provided any notice of an unpaid balance or service termination. Without proper validation, this must be deleted immediately. 
XXXX XXXX XX/XX/XXXX I never applied anywhere. Fraudulent inquiry. Remove immediately. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Unauthorized access. Must be deleted. 
XXXX XXXX XX/XX/XXXX Identity misuse. Remove immediately. 
XXXX XXXX XX/XX/XXXX Duplicate fraudulent inquiry. Delete. 
XXXX XXXX XXXXXXXX XX/XX/XXXX No authorization. Remove. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Remove under FCRA 604. 
REQUESTED ACTION FROM CFPB I am requesting the CFPB to conduct a full investigation into these furnishers and the credit reporting agencies for failing to provide verification, reporting inaccurate data, failing to maintain maximum possible accuracy, reporting accounts not belonging to me, and conducting unauthorized access to my credit file. I want all unverified, inaccurate, fraudulent, and unauthorized items removed immediately as required under FCRA 611 and 623. I also request enforcement actions on the furnishers for continuous violations of federal law.

Company response to consumer: Closed with non-monetary relief