Consumer complaint received 2025-11-21 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:
This is a formal complaint against multiple credit reporting agencies and debt collectors for reporting inaccurate, unverified, duplicate, and unauthorized information on my credit report. I am requesting the Consumer Financial Protection Bureau to investigate these violations under FCRA 602 ( A ), 604, 607 ( B ), 611, and FDCPA standards. The agencies and furnishers listed below are reporting false collections, wrong information, and unauthorized inquiries without any permissible purpose or proper validation. 
Wrong Address Disputes Never Lived, No Association, Mixed File XXXX XXXX XXXXXXXX, TX XXXX This address is not mine and I have never lived here. Including this on my credit file is causing a mixed identity situation and violates FCRA 607 ( B ). Please delete immediately because leaving this address on my file continues to create false account associations that are damaging my credit. 
XXXX XXXX XXXX XXXX, TX XXXX I have never used any XXXX XXXX and I do not authorize this appearing on my credit file. This shows evidence of file contamination or inaccurate personal data being added. Remove immediately. 
XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me and never has. Keeping it on my report is misleading, inaccurate, and unlawful. Delete it immediately as it is contributing to fraudulent or incorrect account attachments. 
Account Disputes More Detailed Content Added XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off I have absolutely no connection with this account. I never applied for credit with this company and never received any contract, terms, billing statements, or notices. This charge-off is clearly incorrect and must be removed due to lack of verification. I demand full validation including signature proof, original application, and full payment records. If you can not provide this, delete immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$550.00} | Charge-Off This account is completely unfamiliar. I never entered any financial relationship with XXXX XXXX No verified documents, statements, or original agreement were ever provided to me. This account is being falsely attributed to me and violates FCRA 611 as there is no evidence tying me to this debt. I dispute ownership and demand complete deletion. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment The late payment reporting is false because I never made late payments with any account from this lender. The payment history is inaccurate and does not match any record I have. This reporting is harming my credit score unlawfully and needs to be corrected immediately to reflect on-time payment or removed entirely if validation can not be produced. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2300.00} | Charge-Off This charge-off is incorrect because I do not recognize this account. No contract, signature, or any proof has ever been shown that links me to this account. This is either identity confusion or improper reporting. Without full documentation, this must be deleted under FCRA 602 ( A ) as it is damaging my credit through inaccurate reporting. 
XXXX XXXX XXXX * * * * * | Opened : XX/XX/XXXX | Balance : {$680.00} | Charge-Off This appears to be a duplicate unauthorized account. I never had multiple accounts with this lender. The reporting is inaccurate and misleading. No creditor has proven that this account belongs to me. Delete it immediately due to lack of verification and duplication concerns. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1700.00} | XXXX This account does not belong to me. I have never received any communication, billing statements, contracts, or proof that I owe this debt. Without proper validation, this item can not remain on my report. I demand immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$980.00} | Collection I never opened any account with this company and I dispute this collection in full. There is no paperwork or contract tying me to this debt. This collection is inaccurate and must be deleted for failure to provide validation under the FDCPA and FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$630.00} | Collection This alleged debt is unverified, unknown, and not associated with me. XXXX has failed multiple times to provide validation for accounts they claim. Without proof from the original creditor, this collection must be deleted. 
XXXX XXXX XXXX XXXX * * * | Opened : XX/XX/XXXX | Balance : {$460.00} | Collection I dispute this account entirely. This collection is not mine. I never received any original creditor details, statements, or application documents. Delete this account immediately due to lack of verification. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$450.00} | Collection This account has no connection to me. XXXX is reporting inaccurate information and has not provided any validation. There is no contract signed by me. This item must be removed as it violates FCRA guidelines. 
XXXX  XXXX * | Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection I dispute this account entirely because I have no knowledge of it and XXXX has never provided any original creditor documentation. I never received any contract, billing statements, or proof of ownership. Without a signed application or any validation, this account is inaccurate and can not legally remain. This appears to be a recycled debt or mixed-file error. Remove immediately under FCRA 602 ( A ) and 611. 
XXXX XXXX XXXX XXXXXXXX * | Date Opened : XX/XX/XXXX | Balance : {$590.00} | Collection This collection is not mine. I have never been contacted by this company before it appeared on my credit file. No validation, no details, and no original creditor information have ever been supplied. I dispute this debt in full. Delete immediately for failure to validate under FDCPA and FCRA guidelines. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$730.00} | Collection I have no connection with this alleged debt, and XXXX XXXX can not verify any relationship between me and the original creditor. There is no signed agreement or proof that I owe this amount. This is inaccurate reporting and harmful to my credit. Since it can not be proven, it must be deleted immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$920.00} | Collection This account is completely unfamiliar. I never opened any account that XXXX XXXX could legally collect. They have failed to provide itemized statements, contracts, or any proof of ownership. This collection is inaccurate, unverified, and must be deleted from my credit report. 
XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$520.00} | Late Payment This late payment reporting is inaccurate. I never paid late because I never opened any account with this lender. There is no proof tying me to this account. The history is false and damaging my credit unlawfully. Correct or remove immediately per FCRA XXXX. 
XXXX XXXX * | Date Opened : XX/XX/XXXX | Balance : {$340.00} | Late Payment I dispute this late payment because I have no record of ever having a Deferit account. No statements, terms, or documents have ever been provided. The late payment status is completely false and must be corrected or deleted immediately due to lack of verification HARD INQUIRY DISPUTES Unauthorized, No Permission, No Application Filed XXXX | Inquiry Date : XX/XX/XXXX I dispute this inquiry because I have no relationship with this company and I did not authorize them to check my credit. This is an unauthorized hard pull that violates FCRA permissible purpose guidelines. Remove this inquiry immediately. 
XXXX XXXX | Inquiry Date : XX/XX/XXXX I dispute this inquiry because I never authorized XXXX XXXX to check my credit. I did not apply for any account or service that would justify a hard pull. This is incorrect and must be deleted due to lack of permission under FCRA guidelines. 
These items are harming my credit, lowering my score, and violating my consumer rights. None of these collection accounts have been validated with original signed agreements, billing statements, or itemized proof. All inquiries listed above were done without my consent and violate FCRA 604 for permissible purpose. The credit bureaus have failed to conduct proper reinvestigation under FCRA 611.

I am requesting the CFPB to investigate these companies, remove these inaccurate and unauthorized items from my credit report, and ensure full compliance with federal law. Please provide confirmation and results of the investigation.

Company response to consumer: Closed with non-monetary relief