Consumer complaint received 2025-11-11 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the credit reporting agencies and the data furnishers listed below for continuing to report inaccurate, unverifiable, and duplicate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior dispute and request for reinvestigation, these items remain unchanged, unverified, and continue to harm my credit standing. 
The credit bureaus have failed to comply with FCRA 602 ( A ), 607 ( b ), and 611 ( 15 U.S.C. 1681i ), which require them to ensure the accuracy of all information and to properly reinvestigate disputed accounts. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$25000.00} I have no knowledge of this account, and the furnisher has failed to validate any supporting documentation proving ownership or accuracy. Under FCRA 611 and 623 ( a ) ( 3 ), unverifiable or inaccurate accounts must be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$20000.00} This account is reported as a charge-off, which is inaccurate. I dispute this item in its entirety as the furnisher has not provided proper documentation, such as a signed agreement or account ledger. Please delete this unverifiable account in accordance with the FCRA. 
PXXXX XXXX XXXX Collection XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$1200.00} This alleged collection account is unverifiable and shows inconsistencies in both balance and opening date. The creditor has not validated the debt. Please remove this entry in accordance with FCRA 611 ( a ) ( 5 ). 
Hard Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from releasing or using a report without a permissible purpose. Please remove these inquiries immediately. 
Summary of Violations The credit bureaus and furnishers listed have : Failed to properly verify or delete inaccurate items as required by law. 
Continued reporting duplicate and unverifiable accounts. 
Ignored requests to remove incorrect personal information. 
Failed to remove unauthorized credit inquiries. 
These actions constitute direct violations of : FCRA 602 ( A ) Fair and accurate credit reporting requirements FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 ( a ) Duty to reinvestigate disputed information FCRA 623 ( a ) ( 3 ) Furnisher obligation to report accurate data FDCPA 809 ( b ) Right to debt validation Requested Resolution I am requesting the CFPB to : 1. Investigate the failure of the credit bureaus and furnishers to comply with the FCRA. 
2. Require the credit bureaus to remove or correct all the inaccurate, unverifiable, and duplicate information listed above.

3. Ensure deletion of unauthorized inquiries and wrong addresses.

4. Provide confirmation in writing that the disputed items have been corrected or deleted from all three credit bureaus. 
I am attaching copies of my government ID, proof of current address, and previous dispute letters as supporting documentation. 
Thank you for your time and assistance in this matter. I am asking for your help to ensure the credit reporting agencies comply fully with federal law and maintain the accuracy of consumer data.

Company response to consumer: Closed with non-monetary relief