Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am submitting this complaint because several different companiesXXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ), XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX reporting derogatory accounts on my credit file that I do not own, did not authorize, and have never received proper documentation for. These accounts were not opened by me, and none of these companies have been able to produce the legally required proof that these debts belong to me. As a result, I filed a formal FTC identity theft report, because I do not own these accounts and believe they may be tied to identity theft, mixed files, or other forms of inaccurate reporting. 

What happened is that I discovered multiple derogatory accounts across several companies on my credit reports. Before seeing these accounts, I had never received any validation notices, billing statements, account creation confirmations, delinquency warnings, or any form of communication from these companies indicating that I owed them money. The first time I learned about these accounts was through my credit reports, which is already a sign of improper reporting practices. 

XXXX. XXXX XXXX XXXX I first noticed that XXXX was reporting a collection account that I do not recognize and do not own. I never received any initial validation notice from XXXX. I never received bills, statements, or copies of agreements. I disputed the XXXX account with the credit bureaus, explaining that I do not own the account and requesting documentation. XXXX responded that they had verified the account but did not provide anything to meno contract, no proof of services, no signature, no identity verification, and no explanation of how they confirmed the account. Their verification was incomplete and unsupported by evidence. 

Because XXXX repeatedly failed to provide documentation showing that the debt belonged to me, and because the information they reported did not match anything in my financial history, I included XXXX in my identity theft report to the FTC. XXXX has not provided validation and continues to report an account that I do not own. 

XXXX. XXXX XXXX. 

XXXX is reporting a derogatory account that I never opened or used. I have never received any communications from XXXX, never applied for an XXXX loan, never used XXXX for a purchase, and have no history with this company. When I disputed the XXXX account, they responded by verifying it, yet they still did not provide any original documentation. XXXX did not provide any application records, electronic signatures, IP addresses, device information, transaction histories, repayment records, or any emails or text messages showing I interacted with their system. 

Because XXXX accounts are created digitally, they must have digital logsyet none were provided. This raises clear concerns that the account was fraudulently opened or misassigned. XXXX refusal to provide documentation after multiple disputes is XXXX of the key reasons I filed an FTC identity theft report. 

XXXX. XXXX XXXX XXXX Accounts XXXX XXXX is reporting two separate collection accountsneither of which I own. I never received any validation notices or communications from XXXX XXXX. When I disputed these accounts, XXXX XXXX verified them through e-OSCAR without providing any supporting documentation. They did not provide itemized statements, original creditor documents, contracts, XXXXdentity verification records, notices of assignment, or anything showing that the accounts are tied to me. 

I filed an FTC identity theft report specifically naming these two XXXX  XXXX accounts because I do not own them. The fact that XXXX XXXX has repeatedly verified accounts without providing proof suggests that their investigation was automated, not based on documents, and therefore unreasonable. These XXXX accounts continue to harm my credit because XXXX XXXX refuses to provide validation or remove them. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX ( XXXX ) is reporting a collection account that I do not own and that does not match any past rental history, lease agreements, deposits, or charges in my life. I never received a move-out statement or any notice that I owed money to any apartment complex or property management company. When I disputed the XXXX account, they verified it but did not provide any documents. 

XXXX never provided : A copy of a lease A move-out inspection Itemized charges Payment histories Documentation of damages Proof of assignment Copies of notices allegedly sent Without these documents, the debt can not be validated. Because I do not own this account, and because XXXX could not provide proof, I included this account in my FTC identity theft report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  is reporting an account that I do not own, never opened, never authorized, and never received any correspondence about. I have no history of owning a XXXX XXXXXXXX XXXX credit card, account, or loan that matches the account on my credit report. When I disputed the account with the bureaus, XXXX XXXX  XXXX verified it without providing any documentation. 

XXXX XXXXXXXX XXXX has not provided : A signed application Identity verification data Transaction histories Billing statements Any evidence of my authorization Without proof, XXXX  XXXX XXXX can not legally claim that I owe this account. Because of their refusal to produce evidence, I included this account in my FTC identity theft filing. 

Repeated Failures to Validate Across all the companies XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX of them have provided any original documentation despite multiple disputes. Each company simply verified the accounts without producing : Original applications or agreements Signatures Identity verification logs Itemized statements Proof of assignment or ownership Notices of delinquency Copies of letters allegedly sent Any documentation showing that I am the correct consumer Under federal law, companies must conduct a reasonable investigation. A reasonable investigation includes validating the identity of the consumer, reviewing original documents, providing evidence, and resolving discrepancies. None of these companies did that. 

Identity Theft and FTC Filing Because these companies failed to validate the accounts and because the accounts do not belong to me, I filed an FTC identity theft report asserting that : I do not own any of these accounts I did not authorize them I did not receive notices I did not receive bills I did not receive communication I can not validate debts without documentation Furnishers are required by law to block reporting after an FTC identity theft report unless they can provide documentation proving the debt is valid. None of these companies have done so. 

Harm Caused These fraudulent and unverified accounts have caused : Credit score drops Denials of credit Higher interest rates Loss of financial opportunities Emotional distress Difficulty obtaining housing Barriers to financial stability I have acted in good faith, disputing the accounts, requesting validation, filing an FTC report, and now filing this CFPB complaint. 

Lack of Due Process From Companies Each company failed in similar ways : No Documentation Provided None of the companies provided validation after disputes. 

Automated Verification The companies appear to rely solely on automated dispute responses instead of reviewing original documents. 

No XXXXdentity Verification No company has shown how my identity was allegedly used. 

No Notices Provided I never received : Debt validation letters Billing statements Delinquency notices Assignment notices No Chain-of-Ownership Proof None of the companies have shown they are legally authorized to collect. 

Summary of What Happened I reviewed my credit reports and discovered multiple accounts that I do not own. 

I disputed every XXXX of them with the credit bureaus. 

All companies verified the accounts without offering proof. 

I asked each company for documentation ; none provided any. 

I filed an FTC identity theft report because I do not own these accounts. 

These companies continue to report derogatory information without validation. 

The accounts have damaged my credit and caused financial harm. 

These accounts do not belong to me, and the companies have not proven otherwise. 

Final Statement Because I do not own these accounts, because I filed an FTC identity theft report, and because none of the companies listed have provided documentation or validation, all of the accounts reported by : XXXX XXXX XXXX. 

XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX must be removed from my credit reports unless validated with complete, original documentation. 

These accounts were not opened by me, I never received communication about them, and the companies have failed to meet their obligations to validate, investigate, and correct inaccurate reporting.

Company response to consumer: Closed with non-monetary relief