Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX  - XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o.1. XXXX - XXXX XXXX XXXX XXXX XXXX  - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX. XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief