Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX  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. XXXX XXXX XXXXXXXX - Under XXXX XXXX XXXX XXXX Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a rehabilitation program. Please advise so we are aligned. 
rehabilitation program. Please advise so we are aligned. 
XXXX. XXXX XXXX  - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX  program. Please advise so we are aligned. 
rehabilitation program. Please advise so we are aligned. 
XXXX. XXXX XXXX XXXX - Under XXXX XXXX XXXX XXXX Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX  program. Please advise so we are aligned. 
XXXX program. Please advise so we are aligned. 
XXXX. XXXX  - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX  program. Please advise so we are aligned. 
XXXX  program. Please advise so we are aligned. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX  program. Please advise so we are aligned. 
XXXX program. Please advise so we are aligned. 
XXXX. XXXX - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX program. Please advise so we are aligned. 
XXXX program. Please advise so we are aligned. 
XXXX. XXXX - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX program. Please advise so we are aligned. 
XXXX  program. Please advise so we are aligned. 
XXXX. XXXXXXXX XXXX XXXX - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX  program. Please advise so we are aligned. 
XXXX  program. Please advise so we are aligned. 
XXXX. XXXX FCU - XXXX - Under XXXX XXXX XXXX Billing Error - I Never received anything notifying me that I had to pay on this loan yet I later called out of concern and they stated that I had to go through a XXXX program. Please advise so we are aligned. 
XXXX  program. Please advise so we are aligned. 
XXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. 
This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX  XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. 
This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX  - XXXX  XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. 
This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. 
Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block and permanently delete any information stemming from identity theft within XXXX ( XXXX ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face XXXX  legal action under FCRA XXXX and XXXX for XXXX, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 


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 ( XXXX ) as 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