Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized items that remain even after I submitted formal disputes. These accounts are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Bankruptcy Reporting Violation A XXXX  XXXX bankruptcy ( Docket # : XXXX ) is being reported without my consent or permissible purpose. This violates FCRA 1681c ( a ) ( 1 ) and 1681a ( 4 ) because it discloses sensitive legal information without authorization.

Requested action : Remove this public record immediately. 

2. XXXX Accounts Inaccurate and Obsolete Multiple XXXX  accounts are being reported with false late payments or unverifiable data : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This violates FCRA 1681e ( b ) and 1681i because the information is outdated, inaccurate, and unverifiable.

Requested action : Delete all NAVIENT accounts unless original signed contracts and payment history can be verified. 

3. XXXX Accounts No Validation Account # : XXXXXXXX XXXX XXXX  ( 2 listings ) These debts are reported without providing me any documentation or notice within 5 days as required under FDCPA 809.

Requested action : Delete these items unless validated with legal proof.

4. XXXX XXXX XXXX XXXX Bankruptcy Misreporting Account # : XXXXXXXX XXXX XXXX is being reported with derogatory wage earner plan status. I never authorized this and have received no notice. 
Requested action : Remove due to FCRA 1681s-2 ( b ) and FDCPA violations. 

5. XXXX No Authorization or Validation Account # : XXXXXXXX XXXX XXXX This account is reported without my permission and I was never notified. 
Requested action : Delete or provide signed loan agreements. 

6. XXXX Private Info Shared Improperly Account # : XXXXXXXX XXXX XXXX  This account reveals private child support/student loan data without my consent. This is a violation of FCRA 1681a ( 4 ).

Requested action : Remove to protect my privacy.

7. Unauthorized Credit Inquiries These companies pulled my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries violate FCRA 1681b because no permissible purpose or consent exists. 
Requested action : Delete all unauthorized inquiries. 

8. Inaccurate Personal Information Several old and incorrect addresses are still being reported ( e.g., XXXX XXXX XXXX and XXXX XXXX XXXX ), as well as an incomplete date of birth. 
Requested action : Delete or correct all outdated personal data. 

Ive attached dispute letters and request copies of verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ). If the accounts and inquiries can not be verified, they must be deleted within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief