Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against several creditors, debt collectors, and credit bureaus for inaccurate, unverified, and misleading information appearing on my credit report. I have attempted to resolve these issues directly with the credit reporting agencies ( XXXX Equifax, and XXXX ) but have received no satisfactory resolution. The information listed below continues to appear on my credit report even though I have no knowledge of, nor any verified contractual relationship with, these entities. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information reported about me. The following accounts and inquiries violate my rights under this federal law and are causing unjust damage to my credit standing and reputation. 
INCORRECT PERSONAL INFORMATION REPORTED ON MY CREDIT FILE : The following addresses are completely inaccurate and do not belong to me. I have never lived, received mail, or conducted any financial transactions associated with these addresses. Reporting such false addresses is a violation of FCRA 1681e ( b ), which requires you to maintain accurate and up-to-date consumer information. I demand these be removed immediately. 
XXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXX XXXX XXXXXXXX TX XXXX Wrong Address XXXX XXXX XXXX XXXXXXXX TX XXXX Wrong Address These addresses are completely unfamiliar to me, and I have reason to believe they may be linked to identity theft or reporting errors caused by data merging with another persons file. I am requesting full removal of all listed addresses from my report to ensure my credit profile accurately reflects only my true information. 
DISPUTED ACCOUNTS AND INACCURATE REPORTING DETAILS : XXXX ( Acct : XXXXXXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is being reported as a charge-off ; however, I have no knowledge of this account and have never opened or authorized any such account with XXXX. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate information. Since this account can not be verified through original documentation with my signature, it must be deleted immediately. Reporting unverifiable debt is considered a willful violation of the law. 
XXXX ( Acct : XXXXXXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} I have never opened any account with a company called XXXX. I have no contractual relationship or record of any business dealings with them. This listing is false and damaging. Please remove it from my credit file as it violates FCRA 1681i by reporting unverifiable and inaccurate data. 
XXXX XXXX  XXXX ( Acct : XXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$550.00} This account is being reported as charged-off, but I have no knowledge of ever opening any account with XXXX XXXX XXXX . I have never received any communication, billing, or correspondence from this company. Since this account is clearly erroneous, I demand its deletion under FCRA 1681c-2, as unverifiable or inaccurate accounts must be removed promptly. 
XXXXDOFED ( Acct : XXXXXXXX XXXX  ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$4500.00} This account is inaccurately reported as having late payments. I have always maintained timely payments and never defaulted. The reported delinquencies are false and have caused serious harm to my credit reputation. I request immediate correction to reflect an accurate payment history. 
XXXXDOFED ( Acct : XXXXXXXX XXXX  * ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} Again, this report reflects false late payments. I have never missed any scheduled payments with XXXX. Under FCRA 1681e ( b ), all information must be accurate and complete. I request that you verify all payment records directly with XXXX, and if verification can not be substantiated through original documentation, these derogatory marks must be deleted immediately. 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$2100.00} I dispute the accuracy of this accounts payment history. The late payment status is incorrect. I have always been consistent and responsible with payments. This information is misleading and not reflective of my true credit behavior. Please correct or delete this reporting in compliance with FCRA 1681i. 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$3600.00} This is another false late payment record. I have no delinquency history with this account, and such inaccurate information is severely impacting my credit profile. Unless you can provide verified documentation proving the legitimacy of each alleged late payment, this record must be corrected or removed immediately. 
XXXXDOFED ( Acct : XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$2100.00} This account is inaccurately reported as having late payments. I have never made any late payments on this account, and no documentation has ever been provided to substantiate such claims. This false reporting violates FCRA 1681e ( b ), which requires accuracy and completeness. Please correct the payment history or delete the record. 
XXXXDOFED ( Acct : XXXXXXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$5000.00} I dispute the late payment notation on this account. My payment history has always been on time. Unless you can provide original records proving the specific dates and amounts of any alleged late payments, this account must be corrected or removed as required by FCRA 1681i ( a ) ( 5 ). 
XXXXDOFED ( Acct : XXXXXXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$2100.00} This is another XXXX account reported incorrectly with late payment history. I never defaulted or made a delayed payment. These negative marks are inaccurate and damaging, and I demand full verification or deletion. 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$6900.00} This accounts delinquency reporting is false. I have never been delinquent on this account, and the late payment notation is misleading and harmful. Please reinvestigate and remove any inaccurate data immediately under FCRA 1681s-2 ( a ). 
XXXX XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} I have no late payments on this account, and I dispute this reporting. I have never been notified of any missed payment, nor have I received any written notice of delinquency. Since no verifiable proof exists, this late payment mark must be deleted immediately. 
XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2300.00} This account is being reported as a charge-off, but I have no knowledge of ever authorizing or opening an account with XXXX XXXX. I have not received any documentation, contract, or billing statement proving the legitimacy of this alleged debt. This violates FCRA 1681i ( b ), as unverified information must be deleted. 
XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$680.00} This appears to be a duplicate or erroneous entry. I have no relationship or obligation with this lender. Without legally verifiable evidence including signed documentation, this account must be removed for noncompliance with FCRA 1681e ( b ). 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX XXXX  ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$4400.00} This account is incorrectly showing late payments that never occurred. I have always paid on time, and no original documentation has ever been presented. Please investigate and correct the payment history immediately. 
XXXXDOFED ( Acct : XXXXXXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$8000.00} This account is being inaccurately reported with late payments. These records are false, and I am requesting a reinvestigation and full correction or removal. Reporting false information violates FCRA 1681i and 1681e ( b ). 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX  ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$10000.00} I have never made late payments on this account. The information reported is inaccurate and can not be verified through any original source. Under federal law, such unverifiable reporting must be deleted. 
XXXXDOFED ( Acct : XXXXXXXX XXXX XXXX  ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$1600.00} This account also shows false late payments. I have no record or notice of delinquency, and the data being reported is incorrect. I request reinvestigation and removal of these false records immediately. 
XXXX ( Acct : XXXXXXXX XXXX XXXX ) Charge-Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$1700.00} I have no knowledge or record of any account with XXXX. I have never signed or authorized any credit agreement with this company. Under FCRA 1681i ( a ), unverified accounts must be deleted if the furnisher can not provide original documentation bearing my signature. Please remove this false entry. 
XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX ) Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$980.00} This account is reported as a collection, yet I have no relationship with XXXX XXXX XXXX. I have never received billing, notification, or validation of this debt. This appears to be a case of mistaken identity or mixed file. Delete this unverifiable collection immediately. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$630.00} I do not recognize this account and have never entered any agreement with XXXXXXXX XXXX. This company frequently reports unverifiable accounts without original contracts. Unless they can provide documentation proving ownership of this debt and my consent, this listing must be removed under FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX  ) Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$460.00} This collection account is completely unverified. I have never had any account or correspondence with XXXXXXXX XXXXXXXX. If they can not provide a full validation showing proof of debt, this record must be deleted immediately. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Collection * * Date Opened : [ Incorrectly Reported ] | Balance Owed : {$450.00} This account is erroneously listed with missing or invalid opening information, which violates FCRA 1681e ( b ). Such incomplete data is a direct sign of inaccuracy. I demand that this entry be deleted due to failure to provide verifiable and complete information. 
XXXX ( Acct : XXXXXXXX XXXX ) Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$690.00} This is a false collection account. I have never opened or owed any account to XXXXXXXX XXXX. Unless the original signed application and proof of debt transfer are provided, this listing must be removed under FCRA 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX ( Acct : XXXX ) Collection * Date Opened : XX/XX/XXXX | Balance Owed : {$590.00} I have no knowledge of this debt. This agency has not provided any original documentation or validation. Reporting unverifiable information is a violation of FCRA 1681s-2 ( a ). I request immediate deletion of this item. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$730.00} This debt is not mine. I have never opened or authorized any account with XXXX XXXX XXXX. Without proof of ownership, this listing is false, unverified, and must be deleted. 
XXXX XXXXXXXX XXXX  Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$920.00} This is another unverified and fraudulent collection. I have no record, no agreement, and no correspondence regarding this debt. I request that this collection be deleted due to lack of verification. 
XXXX ( Acct : XXXXXXXX XXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$520.00} This account is falsely showing late payments. I have made all payments on time. Such reporting is harmful and misleading. Please investigate and correct this error immediately. 
XXXX ( Acct : XXXXXXXX XXXX ) Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$340.00} This account is incorrectly listed as having late payments. I have never received any delinquency notice or default communication. This entry is false and must be corrected or deleted under FCRA 1681i ( a ). 
DISPUTED HARD INQUIRIES XXXX Date : XX/XX/XXXX This hard inquiry was not authorized by me. I have no account or application with this entity. This constitutes an unauthorized access to my consumer report and must be deleted immediately. 
XXXXXXXX XXXX Date : XX/XX/XXXX This hard inquiry is unauthorized. I did not apply for any loan or account with XXXX XXXX. Please remove it immediately as it was made without my consent. 
Summary of My Complaint All of the above-listed items are inaccurate, unverified, and damaging to my credit profile. The credit bureaus have failed to properly investigate or delete these items despite my repeated written disputes, violating my rights under FCRA 611 ( a ) which requires accurate reinvestigation. These accounts continue to reflect as negative entries, lowering my credit score and affecting my ability to obtain fair credit opportunities. 
I am requesting the CFPB to investigate these matters thoroughly and require the credit reporting agencies and the creditors mentioned above to provide full documentation validating the legitimacy and ownership of these accounts. If they can not do so, they must immediately delete all disputed information from my credit file. 
Requested Resolution : 1. Complete investigation into the accuracy and legality of these accounts and inquiries. 
2. Immediate deletion of all unverified and inaccurate entries from my credit report. 
3. Written confirmation from all parties once deletions and corrections are made.

Company response to consumer: Closed with non-monetary relief