Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am filing this formal complaint regarding an account reported by XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX that appears on my credit reports with TransUnion, Experian, and Equifax. I am disputing this account both due to suspected identity theft and due to significant reporting inaccuracies across all three credit bureaus, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I did not open this account, nor did I authorize anyone to open it in my name. I believe this may have resulted from a potential data breach or unauthorized use of my personal information. I am requesting that this account be investigated and removed from my credit file due to the following reasons : Nature of Complaint : 1.Inaccurate Reporting Across Bureaus : Each bureau is reporting slightly different information for the same account ( e.g., high balance shows {$0.00} on Experian. 
The closed date, last activity date, and reporting dates are inconsistent. 
2.Unverifiable Information : These accounts are being reported inaccurately, and the inconsistencies suggest a lack of proper verification. 
I have not received any documentation validating the accuracy or ownership of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate and unverifiable accounts. Credit reporting agencies are required to ensure maximum possible accuracy and must remove accounts they can not verify Inconsistencies in Credit Reporting : Open Date : TransUnion shows : XX/XX/XXXX Experian & Equifax show : XX/XX/XXXX Last Payment Date : TransUnion & Experian show : XX/XX/XXXX Equifax shows : XX/XX/XXXX Credit Limit : TransUnion & Experian : {$800.00} Equifax : {$0.00} Current Balance : TransUnion & Equifax : {$3000.00} Experian : {$0.00} Payment History : TransUnion has no transaction history and Experian reflects 30120  day late payments from XXXX through XXXX with collections or charge-offs in XXXX and XXXX. 
Equifax reflects 30120 day late payments starting from XXXX through XXXX. 
-- - Similar issue with XXXX Account # XXXX Open Date : TransUnion shows : XX/XX/XXXX Experian & Equifax show : XX/XX/XXXX Last Payment Date : TransUnion & Experian show:XXXX Equifax shows : XX/XX/XXXX Credit Balance : Experian : {$0.00} TransUnion & Equifax : {$1600.00} XXXX limit : TransUnion & Equifax : {$0.00} Experian : $ {$1200.00} Payment History : TransUnion has none reported and Experian reflects 30120 day late payments from XXXX- XXXX through XXXX with collections or charge-offs in XXXX & XXXX. 
Equifax reflects 30120 day late payments starting from XXXX through XXXX. 
-- similar inaccuracies with XXXX XXXX Account # XXXX XXXX These conflicting dates and details not only indicate improper account reporting, but they also undermine the credibility of the entire account. Furthermore, if this account is indeed legitimate ( which I contest ), then the credit bureaus are not reporting it uniformly, which constitutes a violation of the FCRAs accuracy and consistency requirements.

Company response to consumer: Closed with explanation