Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. Under XXXX XXXX XXXX XXXX  this is a billing error always XXXX XXXX XXXX  on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX  this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX B this is a billing error always XXXX XXXX XXXX on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX B this is a billing error always XXXX XXXX XXXX on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX  this is a billing error always XXXX XXXX XXXX on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX B this is a billing error always XXXX XXXX XXXX  on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

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

Company response to consumer: Closed with non-monetary relief