Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am submitting this complaint because several derogatory accounts have been reported on my credit file that I do not recognize, did not authorize, and have never received any validation or documentation for. In addition to these unauthorized negative items, I recently received a phone call from someone claiming to represent XXXX, stating that I allegedly owe a debt with them. I have never opened, authorized, or used any XXXX service, and I never received a bill, statement, or notice from them before this call. This raised serious concerns of identity theft, misreporting, and improper assignment of debt. 

Because of the number of fraudulent accounts and suspicious collection attempts, I filed an FTC Identity Theft Report to formally document that I do not recognize these debts, I did not authorize these accounts, and I am a victim of inaccurate or fraudulent credit reporting. That FTC filing is now part of my records and supports my dispute that these accounts are not mine. 

What concerns me most is that multiple companies are furnishing derogatory information to the credit bureaus without supplying any evidence or documents to prove that these accounts belong to me. I never received validation letters, billing statements, original contracts, delinquency notices, or any mandatory disclosures required under federal law. The appearance of these accounts has severely harmed my creditworthiness and caused significant emotional and financial stress. 

XXXX. Discovery of Multiple Derogatory Accounts That Are Not Mine When I reviewed my credit file, I discovered several negative entries, including : A charge-off from XXXX XXXX XXXX second charge-off from XXXX XXXX under a XXXX XXXX A charge-off reported by AM XXXX XXXX A high-balance charge-off from XXXX XXXX XXXX A collection account reported by I C XXXX And now a claimed XXXX debt that I have never had I have never received any letters, notices, or documents related to these accounts. I have never authorized any of these debts. I have never received an initial validation notice from any debt collector, which is required by law under FDCPA 809 ( a ). The appearance of these accounts strongly indicates identity theft, file mixing, or unauthorized use of my information. 

Because there were multiple accounts I did not recognize, I immediately filed an identity theft report with the FTC ( Federal Trade Commission ) to formally declare that these accounts are fraudulent and do not belong to me. This FTC filing reinforces that these debts were not created or authorized by me. 

XXXX. No Validation Provided by Any Furnisher Under the FCRA and FDCPA, I have a legal right to request : Copies of original signed contracts Copies of account applications All billing history Itemized breakdowns of balances Ownership transfers Chain-of-custody documents Validation notices Documents used to verify the accounts Method of verification Despite these rights, none of the furnishers provided : A contract An agreement A billing statement A charge-off notice A delinquency letter A validation letter Any documents proving I opened the accounts Any evidence at all Without these documents, the accounts should not have been reported, verified, or continued on my file. 

XXXX. The Credit Bureaus Verified the Accounts Without Conducting a Real Investigation I disputed all of the derogatory accounts with the credit bureaus and asked for : Verification Validation Documentation Method of verification Proof of manual review However, the disputes came back marked as verified, even though : No documents were provided No proof was sent to me No contract was shown No billing history was shared No identity validation occurred No FTC report consideration was referenced The credit bureaus clearly relied on automated systems like e-OSCAR, which simply exchanges numeric codes and does not require any actual document review. This is not a lawful reinvestigation under FCRA 611. 

XXXX. Detailed Issues With Each Derogatory Account A. XXXX XXXX ( XXXX Separate Charge-Off Accounts ) XXXX separate XXXX Federal XXXX are reporting nearly identical high-balance charge-offs. I never opened any account with XXXX XXXX, nor have I ever received any banking, loan, or credit product from them. I have never received : Billing statements Contracts Right-to-cure notices Delinquency letters Charge-off notices XXXX XXXX has never provided a single document proving that these accounts belong to me. 

B. AM XXXX XXXX XXXX XXXX is reporting a past-due charge-off, but I have never financed a vehicle or loan through AM XXXX. I never received : A loan contract Payment statements Notices of default A billing summary Validation of any kind This furnisher has failed to comply with FDCPA validation requirements and FCRA accuracy requirements. 

XXXX XXXX XXXX Credit Large Charge-Off XXXX is XXXX a very large charge-off balance. I never applied for, financed, leased, or purchased any vehicle through XXXX XXXX XXXX. XXXX never sent me : A finance contract Any billing statements Default notices Repossession notices Deficiency letters Validation documents A debt of this size should absolutely have documentation. No documentation has ever been provided. 

XXXX XXXX XXXX XXXX XXXX Account I C System is reporting a collection account that I do not recognize. I never received : The initial FDCPA 809 ( a ) validation notice Any letter identifying the original creditor Any amount owed Any statements Any verification By law, a debt collector must stop all collection activity until they validate the debt. 
I XXXX XXXX has never provided any validation, yet they are reporting the debt to the credit bureaus. 

XXXX. XXXX Contacted Me Claiming a Debt I Never Owed I received a phone call from someone claiming to represent XXXX, stating that I had a balance owed. I have never opened any XXXX account. I asked them for written verification, and they were unable to provide anything. They could not give me : A billing statement An account history An onboarding record Any contract Any proof linking me to the alleged account This is extremely alarming and strongly supports my FTC identity theft report. 

XXXX has never mailed me : A welcome letter A bill A late notice A collections notice For them to suddenly claim I owe money is fraudulent and suspicious. 

XXXX. Filing of FTC Identity Theft Report Because none of these accounts belong to me, and because I received an alarming XXXX collection call, I filed an official FTC Identity Theft Report. This is a federal document acknowledging that : I did not open these accounts I did not authorize these debts These accounts appear to be fraudulent My identity may have been used without my consent Furnishers must stop reporting until they provide proof This FTC report further proves that the accounts are not legitimate. 

XXXX. Harm Caused by These False Derogatory Accounts These inaccurate accounts have caused major financial and emotional harm, including : Lowered credit score Higher interest rates Denial of legitimate credit Inability to qualify for housing and lending Emotional stress Fear of additional identity theft Loss of financial opportunity These companies are reporting debts without proof, which is harming me financially and personally. 

CONCLUSION I do not owe these debts. I did not open these accounts. I did not authorize these loans or services. I have never received a validation letter, billing statement, contract, or any documentation from any of the furnishers. I have filed an FTC Identity Theft Report to document that these debts are fraudulent and do not belong to me. I am requesting CFPB assistance to investigate, require proper validation, and remove any unverifiable or fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation