Consumer complaint received 2024-04-17 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: IL

Complaint narrative:
After sending numerous disputes to EQUIFAX, XXXX AND XXXX since XX/XX/XXXX, putting them on notice of my identity being stolen. They have not recodified the situation by blocking accounts that came about from identity theft. 15 usc 1681 C-2 Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations that prohibit disclosing debt information to third parties. Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency. Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). I, XXXX XXXX, demand that you take immediate action to address these violations. I request the following actions : 1. Unauthorized inquiry. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 2. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' 3. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 4. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No TYPE OF ISSUE Information belongs to someone else XXXX Please update the status of this account to " paid on time. '' 5. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 6. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 7. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 8. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 9. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 10. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 11. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 12. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 13. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 14. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 15. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 16. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. DEPT OF ED/XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 17. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. XXXX XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 18. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. XXXX  XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 19. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. XXXX  Account Number : XXXX Please XXXX ( XXXX ) XXXX ( XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX ) XXXX  ( XXXX XXXX  ) update the status of this account to " paid on time. '' 20. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. included is a copy of my id ssn and proof of address

Company response to consumer: Closed with non-monetary relief