Consumer complaint received 2025-12-01 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:
I am filing this complaint because several companies including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and various unknown entities have been reporting false, inaccurate, duplicate, and unverified collection accounts and unauthorized inquiries on my credit reports. These errors have caused severe financial harm, denials, stress, and damaged my credit standing. These companies have failed to provide validation and are reporting accounts that do not belong to me or have no proof of debt ownership. I request the CFPB to investigate these creditors, debt collectors, and the credit bureaus for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
WRONG / FRAUDULENT / UNAUTHORIZED ADDRESSES XXXX XXXX  XXXX, TX XXXX Wrong Address Issue : I never lived here, never used this address on any application, and have no connection with it. This wrong address proves mixed-file or identity error. Please delete immediately as required by FCRA 602 ( A ). 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is not connected to me in any way. This incorrect address is contributing to multiple inaccurate accounts showing up on my report. 
ACCOUNT DISPUTES LATE PAYMENT / CHARGE-OFF / COLLECTION XXXX  Acct XXXX XXXX  | High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Late Payment * * Issue : The late payment being reported is inaccurate. I never paid late, and there is no proof showing I was late. I request correction of payment history because wrong late reporting violates FCRA 607 ( B ) accuracy requirements. 
XXXX XXXX Acct XXXX XXXX  | High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Charge Off * * Issue : I have no knowledge of this charge-off. The account is unclear, unverifiable, and XXXX XXXX failed to provide me documentation. Under FCRA 609 and 611 you must delete accounts that can not be proven. 
XXXX XXXX  Acct XXXXXXXX XXXX XXXX XXXX | High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Charge Off * * Issue : This account is not mine, and I never opened or authorized it. This appears to be identity-related or mixed-file. No contract or application with my signature exists. Delete under FCRA 611. 
XXXX Acct XXXX * | High Balance : {$430.00} | Date Opened : XX/XX/XXXX | Charge Off * * Issue : I have no knowledge of this account. This entry is harming my credit and must be deleted unless you provide full verification including original signed application. 
XXXX XXXX  Acct XXXX XXXX XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Charge Off * * Issue : I do not recognize this debt and have no record of this loan. This account is unverified and must be deleted under FCRA 611. 
XXXX XXXX XXXX  Acct XXXXXXXX XXXX XXXX | High Balance : {$26000.00} | Date Opened : XX/XX/XXXX | Late Payment * * Issue : The late payment reporting is false. I never missed payments, and no supporting documents have been provided. Correct the payment history immediately under FCRA accuracy law. 
XXXX XXXX- * | High Balance : {$640.00} | Date Opened : XX/XX/XXXX | Collection * * Issue : I have no knowledge of this alleged debt. XXXX XXXX has failed to validate this account. I dispute ownership and request deletion. 
XXXX XXXX XXXX Acct XXXX XXXX  | High Balance : {$730.00} | Date Opened : XX/XX/XXXX | Collection * * Issue : XXXX is reporting a debt I do not recognize. They have no valid proof. Under FCRA 611 any unverifiable collection must be deleted. 
XXXX XXXX- * | High Balance : {$640.00} | Date Opened : XX/XX/XXXX | Collection * * Issue : This appears to be duplicated / incorrect reporting. I do not owe this debt. Remove immediately under FCRA 607 ( B ). 
XXXX XXXX * | High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Collection Issue : I have no knowledge of this alleged debt. XXXX XXXX has repeatedly failed to validate ownership. No contract, no agreement, no original creditor statements have been provided. Under FCRA 611 and 609 ( a ) ( 1 ) ( A ), this must be deleted because unverifiable debt can not be reported. 
XXXX XXXX- * * | High Balance : {$630.00} | Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) | Collection Issue : This appears to be a duplicated or misreported account. Same date, same creditor, similar balance. This is strong evidence of inaccurate reporting. FCRA 607 ( b ) requires accuracy. Delete immediately for inconsistency and lack of validation. 
XXXX  Acct XXXX * | High Balance : {$430.00} | Date Opened : XX/XX/XXXX | Collection Issue : I dispute this account entirely. XXXX has no verified proof tying this account to me. I never received notice, statements, or validation. Delete under FCRA 611 because unverifiable collection accounts can not remain. 
HARD INQUIRY DISPUTES UNAUTHORIZED / FRAUD XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unknown entity. No application, no consent, no authorization. This inquiry is fraudulent or identity related. Must be removed under FCRA 609 & 611.

SUMMARY OF VIOLATIONS Unverified debts reported Duplicate accounts reported Unauthorized inquiries No validation from collectors Mixed-file errors Failure to comply with FCRA investigation requirements Failure to provide method of verification REQUEST TO CFPB I am requesting : Immediate investigation into XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, and others Immediate removal of all unverified and inaccurate collection accounts Immediate removal of all unauthorized inquiries Full enforcement action for FCRA & FDCPA violations A written response detailing actions taken

Company response to consumer: Closed with non-monetary relief