Consumer complaint received 2025-05-28 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:
I am filing a formal complaint regarding multiple inaccurate and misleading items on my credit reports with Experian, Equifax, and TransUnion. These include : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$20000.00} Incorrect late payments, some of which occurred during the XXXX pandemic and may qualify for relief under the CARES Act. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX BANK SS XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2300.00} Accounts inaccurately reported as charged off, with inconsistent delinquency dates or payment history ( e.g., XXXX XXXX XXXX, XXXX XXXX, XXXX ). 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$20.00} XXXX XXXXL/LEAD BA XXXX Date opened : XX/XX/XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : Company Sold : CCS XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : - - Closed accounts still showing delinquencies ( e.g., XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. 
XXXX XXXX BANK SS XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX Date opened : XX/XX/XXXX Balance : Multiple Department of Education ( XXXX  ) student loan accounts that suddenly report XXXX day delinquencies in early XXXX without notice, despite no material change or outreach. 
XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} DEPT OF ED/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$6700.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$4300.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$2100.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$3100.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$2100.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$3400.00} DEPT OF ED/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$560.00} Several collection accounts that I either do not recognize or dispute due to possible data breaches or reporting errors, including : XXXX XXXX XXXX ( XXXX  XXXX BANK N.A. ) XXXX Date opened : XX/XX/XXXX Balance : {$870.00} XXXX CREDIT MANAGEM ( XXXX XXXX BANK ) XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX  XXXX ) MW XXXX XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX  ( XXXX the Bank XXXX Missouri ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I will attach the full letter info of the accounts in the letter Some of these may also be connected to the TransUnion data breach that occurred within the same time period. Despite attempts to resolve these issues through direct disputes, the credit bureaus have failed to properly investigate and correct the errors.

Company response to consumer: Closed with non-monetary relief