Consumer complaint received 2025-06-27 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 - This is an open collection account reporting inaccurately. Under FCRA XXXX and XXXX, I demand its immediate removal. This account is the result of identity theft and is causing ongoing XXXX. Please refer to the FTC Identity Theft Report for verification. 
XXXX. XXXX XXXX - XXXX - This is a closed account showing a XXXX late payment on XXXX  and Equifax, and a current status on XXXX. This inconsistency violates FCRA XXXX ( b ), which mandates accurate reporting. I have a strong payment historythis error is XXXX  and must be corrected immediately to reflect a positive payment history. 
XXXX. XXXX - XXXX - This XXXX account inaccurately reflects a XXXX late status despite a strong payment history. Under FCRA XXXX ( b ), you are required to report with maximum accuracy. This inaccuracy is XXXX  and must be corrected immediately to reflect a positive payment history. 
XXXX. XXXX - XXXX - This XXXX  account inaccurately reports a XXXX late payment. Under FCRA XXXX ( b ), you are required to ensure maximum accuracy. I demand this outdated and XXXX  error be corrected immediately to reflect my positive payment history. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This XXXX  account inaccurately reports a XXXX late payment, violating FCRA XXXX ( b ), which requires maximum possible accuracy. I maintain a solid payment historythis error is XXXX and must be corrected immediately to reflect a positive status. 
XXXX. XXXX XXXX - XXXX - This collection account is reporting inconsistentlyopen on Equifax and closed on XXXX  and XXXX. This is a clear violation under FCRA XXXX and XXXX. 
The account is the result of identity theft and must be deleted immediately. Refer to the FTC Identity Theft Report on file. 
XXXX. XXXX XXXX - XXXX - This collection account is reporting inconsistentlyopen on Equifax and XXXX on XXXX  and XXXX. This is a clear violation under FCRA XXXX and XXXX. 
The account is the result of identity theft and must be deleted immediately. Refer to the FTC Identity Theft Report on file. 
XXXX. XXXX XXXX XXXX - XXXX - I demand immediate action under XXXX U.S.C. XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 
XXXX. XXXX XXXX - XXXX - I demand immediate action under XXXX U.S.C. XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 
XXXX. XXXX  - XXXX - I demand immediate action under XXXX U.S.C. XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 
XXXX. XXXX XXXX XXXX - XXXX - I demand immediate action under XXXX U.S.C. XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 


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