Consumer complaint received 2025-11-24 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 submitting this formal complaint regarding multiple inaccurate, fraudulent, and unverified items appearing on my credit report. These items are factually incorrect and are causing substantial harm to my creditworthiness, financial reputation, and ability to obtain credit. I demand an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and that all erroneous items be corrected or deleted immediately. 
The items in dispute are : Incorrect Addresses XXXX XXXXXXXX XXXX XXXX, TX XXXX This address is not associated with me. Its reporting is fraudulent and is misleading lenders, creditors, and any party reviewing my credit report. I demand this address be completely removed. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX This is a fraudulent entry. Its presence constitutes inaccurate reporting and potential identity misrepresentation. Delete this immediately. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have no knowledge of this account. The reporting is completely unverified and can not be legally reported under FCRA 609. Immediate deletion is required. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} This is a fraudulent charge-off, not opened or authorized by me. Any reporting agency failing to delete this violates FCRA 602, 607, 611. 
XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$770.00} I do not recognize this account. Its inclusion is factually inaccurate, misleading, and harmful to my credit profile. Immediate removal demanded. 
XXXX XXXX, Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$990.00} Unknown account. Its reporting is unsubstantiated. Furnisher must provide verification, and if unable, delete permanently. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$570.00} I have no knowledge of this debt. Reporting it is illegal and defamatory, requiring immediate deletion. 
XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1800.00} This charge-off is fraudulent and unverified. Continued reporting violates FCRA and is harmful to my financial standing. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Unknown account. I demand deletion due to lack of verification and evidence of fraud. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I do not recognize this account. Continued reporting is illegal and misleading, delete immediately. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$19000.00} Unknown charge-off. Inclusion in my report is completely inaccurate and violates FCRA reporting requirements. 
XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$11000.00} The reported late payment is false. I have never missed a payment on this account. This is a misrepresentation and damages my creditworthiness. I demand full correction of the account history to reflect accurate payment behavior. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$400.00} This charge-off is incorrect and unverified. Its continued presence is harming my credit. Immediate deletion required. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$3300.00} I do not recognize this account. Reporting it is illegal under FCRA 607 and 611, delete immediately. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$14000.00} Unknown charge-off. Continued reporting without verification is a violation of FCRA 611. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$430.00} Unknown account. Reporting is unsubstantiated and misleading, delete immediately. 
XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$1500.00} I have no knowledge of this debt. Remove immediately. 
XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$960.00} Fraudulent collection. Delete immediately. 
XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$580.00} Unverified and unknown. Immediate removal required. 
XXXX, Acct : XXXX XXXX  Date Opened : XX/XX/XXXX, XXXX XXXX : {$8000.00} I do not recognize this account. Continued reporting is illegal and damaging. 
Hard Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All inquiries above were made without my authorization and are a violation of FCRA 604. Remove immediately as they are negatively impacting my credit score.

Action Demanded 1. Conduct a thorough investigation of each item. Remove or correct all fraudulent, inaccurate, and unverified entries.

2. Furnish proof and documentation for each reported account. Failure to provide proof mandates deletion under FCRA 611.

3. Confirm in writing all corrections or deletions.

4. Non-compliance will result in formal legal action, including claims for financial and reputational damages caused by these inaccuracies. 
These items are causing severe damage to my financial reputation and creditworthiness. I expect written confirmation within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief