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 multiple inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXX XXXX  XXXX XXXX TX XXXX WRONG ADDRESS I do not recognize this address and have no personal or financial history connected to it, this is an inaccurate linkage that is corrupting my report and must be deleted immediately. 
XXXX XXXX  XXXX XXXX XXXX TX XXXX WRONG ADDRESS This address does not belong to me and its presence on my credit report is proof of identity confusion and inaccurate reporting, therefore it must be removed immediately to comply with FCRA 609 ( A ). 
XXXX Acct XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * I have never made any late payments on this account, your reporting is completely inaccurate and damaging, therefore you must correct this entry to NEVER LATE because you can not report false late history under federal law. 
XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} LATE PAYMENT ( FALSE ) * * This late payment status is false and unverifiable, I always paid on time and you have no documentation proving otherwise, therefore I demand immediate correction to NEVER LATE. 
XXXX XXXX XXXX Acct XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This is a false late payment entry, I was never delinquent and your records are incorrect, therefore you must correct this immediately. 
XXXX XXXX XXXX Acct XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This late payment report is inaccurate, not supported by any documentation, and must be corrected to reflect my proper on-time history. 
XXXX XXXX Acct XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * You are reporting a late payment that never occurred, this is harmful and must be corrected to maintain accuracy. 
XXXX XXXX Acct XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} CHARGE OFF ( NOT MY ACCOUNT ) * * I do not recognize this company, never applied for credit with them, and this is not my account, therefore this charge-off must be deleted because you can not verify an account that never existed. 
XXXX XXXX Acct XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This late payment reporting is false, I was not delinquent and your reporting is inaccurate, therefore you must correct this entry. 
XXXX XXXX Acct XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This is a completely false late payment, I was never late on this account at any time, and you have no documentation proving delinquency, therefore this information is inaccurate and must be corrected to show a perfect payment history. 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) This is another unauthorized XXXX  inquiry that I never approved delete immediately. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not apply for any auto loan with XXXX XXXX, this inquiry is inaccurate and must be removed. 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) Yet another unauthorized inquiry from XXXX  which I never permitted, remove it from my credit file. 
I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

Company response to consumer: Closed with non-monetary relief