Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the credit bureaus and several debt collectors are reporting fraudulent, inaccurate, and unverified collection accounts and unauthorized hard inquiries on my consumer credit reports. I have no knowledge of these accounts, never opened them, never authorized any inquiry, and the bureaus failed to follow FCRA procedures during reinvestigation. 
I previously disputed these items with the credit bureaus, but they verified them without providing any proof, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ), and FDCPA 807, 808, 809. 
Below are the accounts I am complaining about : WRONG ADDRESSES REMOVE IMMEDIATELY ( FCRA 607 ( b ) VIOLATION ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Not my residence. This information must be removed. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Completely wrong. I was not associated with this property at any point. 
ACCOUNT DISPUTES ( FCRA 611, 609, 602 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$330.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : I have no recollection of defaulting on this account. No proper billing statements or notice of charge-off was ever provided to me. Under FCRA 609, provide full validation or delete the account immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge-Off XXXX XXXX Issue : This account is inaccurately reported. I never received any delinquency notice. The furnisher must provide proof showing I authorized this credit and defaulted. Otherwise delete. 
XXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : Wrong balance, wrong status, and I dispute owing this amount. No verifiable documentation has been provided. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : I strongly dispute the late payments. I was never late. Payment history is incorrect and must be corrected immediately under FCRA XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : The charge-off status is reported incorrectly. I dispute the balance, dates, and ownership. Provide full contract verification or delete. 
XXXX XXXX XXXX  XXXX XXXX High Balance : {$35000.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : I do not agree with the charge-off and dispute the reported delinquency. Provide verifiable documentation or remove. 
XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Charge-Off * * Issue : This utility account is inaccurately reported. I never defaulted, and I dispute owing any outstanding balance. 
XXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Collection * Issue : This is not my account. No contract. No proof. Must be deleted. 
XXXX XXXX High Balance : {$4300.00} Date Opened : XX/XX/XXXX Collection * Issue : I do not recognize this debt. Provide full validation or delete immediately. 
XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Collection * Issue : Account is being falsely reported. I never authorized or received a bill for this account. 
HARD INQUIRIES UNAUTHORIZED / NO PERMISSIBLE PURPOSE XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard pull. I did not apply for any credit with this company. Must be removed. 
XXXX XX/XX/XXXX XXXX XXXX : I did not approve this inquiry. No documentation supports their access. 
I am filing this complaint because the credit bureaus and several debt collectors are reporting fraudulent, inaccurate, and unverified collection accounts and unauthorized hard inquiries on my consumer credit reports. I have no knowledge of these accounts, never opened them, never authorized any inquiry, and the bureaus failed to follow FCRA procedures during reinvestigation. 
I previously disputed these items with the credit bureaus, but they verified them without providing any proof, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ), and FDCPA 807, 808, 809. 
Below are the accounts I am complaining about :

Company response to consumer: Closed with non-monetary relief