Consumer complaint received 2025-05-02 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, This is now my third formal dispute regarding the same unresolved errors on my credit report. Equifax has a legal responsibility under the Fair Credit Reporting Act ( FCRA ) to report only accurate and verifiable information. Your failure to fully investigate and correct these inaccuracies is a violation of my consumer rights and continues to cause financial harm. 
XXXX  INCORRECT ADDRESSES ( XXXX XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : These addresses are not affiliated with me. 
FCRA Violation : 1681b ( a ) ( XXXX ) Reporting inaccurate personal identifying information. 
Action Requested : Immediately delete both addresses from my credit profile. 
XXXX NEGATIVE ACCOUNTS ( Charge-Offs & Collections ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting as a charge-off with a balance of {$1000.00} ; lacks verification. 
FCRA Violation : 1681i ( a ), 1681e ( b ) Failure to ensure data accuracy. 
Action Requested : Delete the account due to unverifiable reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off for {$20000.00} ; no verification or proof of ownership provided. 
FCRA Violation : 1681i ( a ), 1681b Reporting without complete and verified data. 
Action Requested : Delete the account immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Issue : Charge-off of {$9400.00} with incomplete and unverifiable data. 
FCRA ViolatiXXXXn : 1681e ( b ), 1681i ( a ) Action Requested : Remove this account due to non-compliance and lack of documentation. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account is reporting a {$0.00} charge-off, which is misleading and inaccurate. 
FCRA Violation : 1681e ( b ) Misrepresentation of charge-off status. 
XXXX Requested : Delete or correct the entry with accurate balance and status. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off for {$1100.00} ; no verification or validation documentation has been provided. 
FCRA Violation : 1681i ( a ) Action Requested : Delete the account unless full verification is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Issue : Reported as a collection opened XX/XX/XXXX with {$8700.00} balance ; no proof of debt or legal right to collect. 
FCRA Violation : 1681b, 1692g of the FDCPA ( debt validation ) Action Requested : Remove this collection account from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off of {$1000.00} ; no signed contract or account-level validation provided. 
FCRA Violation : 1681i ( a ), 1681b Action Requested : Delete this unverifiable account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off of {$2500.00} ; inconsistent data and no evidence of liability. 
FCRA Violation : 1681e ( b ), 1681i Action Requested : Remove due to inaccurate and unverified information. 
XXXX UNAUTHORIZED HARD INQUIRIES Listed Inquiries 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Issue : I never authorized these credit pulls. There is no signed application or permissible purpose. 
FCRA Violation : 1681b ( c ), 604 ( a ) ( 3 ) Unauthorized access to my credit file.

Action Requested : Immediately delete all listed inquiries. 
XXXX  FINAL REQUEST Per FCRA 1681i, you are required to reinvestigate these disputes and correct or delete any unverifiable items within XXXX  days. Failure to respond with proof of verification will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 
I expect written confirmation of all corrections or deletions made. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief