Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request the XXXX XXXX XXXX XXXX urgent assistance in investigating a large number of inaccurate and unauthorized accounts and addresses that have been reported on my credit file. These errors appear to be the result of negligent reporting, file merging, or clerical mistakes, and despite my best efforts to dispute them directly with the credit reporting agencies and data furnishers, they remain unresolved.

Timeline of Discovery XX/XX/XXXX : I obtained a copy of my credit report and was alarmed to find more than XXXX credit accounts listed that I do not recognize or have never opened. I also saw multiple addresses that I have never lived at, which suggests file mixing or reporting errors. 
XX/XX/XXXX : I submitted written disputes to Equifax, Experian, and TransUnion, requesting deletion or reinvestigation of these tradelines and incorrect personal information. However, my disputes were either ignored or responded to with boilerplate letters, without any meaningful resolution. 
XX/XX/XXXX : Several of these accounts are still reporting as charge-offs, collections, or with late payments, severely damaging my credit score and ability to access fair credit.

Inaccurate or Unauthorized Accounts The following accounts do not belong to me and were opened without my knowledge or consent. I request that these be reinvestigated and removed in compliance with the Fair Credit Reporting Act ( FCRA ). 
Each entry includes : Creditor | Date Opened | High Balance | Issue XXXX XXXX | XX/XX/XXXX | {$19000.00} | Late Payment Violation : FCRA XXXX Furnisher failed to correct inaccurate reporting XXXXXXXX XXXX  XXXX XX/XX/XXXX | {$190000.00} | Late Payment Violation : FCRA XXXX ( b ) Credit bureau failed to assure maximum possible accuracy XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$1600.00} | Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnisher knowingly reported inaccurate information XXXX | XX/XX/XXXX | {$1900.00} | Charge Off Violation : FCRA XXXX Dispute not adequately reinvestigated XXXX XXXXXXXX | XX/XX/XXXX | {$3600.00} | Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX | XX/XX/XXXX | {$1500.00} | Late Payment Violation : FCRA XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$6000.00} | Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX | XX/XX/XXXX | {$2700.00} | Late Payment Violation : FCRA XXXX XXXX | XX/XX/XXXX | {$810.00} | Late Payment Violation : FCRA XXXX ( a ) XXXX XXXX  | XX/XX/XXXX | {$510.00} | Late Payment Violation : FCRA XXXX ( ... other accounts continue in same format ; full list attached to complaint. ) Incorrect Addresses The following addresses have never been associated with me and are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX FM XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These errors violate FCRA XXXX ( b ), which requires credit reporting agencies to use reasonable procedures to ensure accuracy. 
Harm to Me These errors have had a significant negative effect on my life : Denied credit cards and loans due to low credit score Increased interest rates on necessary services XXXX and XXXX, fearing financial instability Lost financial opportunities, including housing I have spent considerable time and resources attempting to fix these issues with no success. 
My Request for Relief I am requesting that the CFPB : XXXX. Investigate the failure of the CRAs and furnishers to correct these errors after formal disputes. 
XXXX. Require deletion of all inaccurate accounts and addresses. 
XXXX. Ensure future compliance with the FCRA and proper reinvestigation procedures. 
XXXX. Provide me with written confirmation once these errors have been corrected. 
I appreciate the CFPBs role in protecting consumers and request swift action in my case.

Company response to consumer: Closed with explanation