Consumer complaint received 2025-06-30 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/1985 This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX  credit reporting agency , block 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. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATION/XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATION/XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. XXXX XXXX XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATION/XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX  credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATION/NELN - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXX. DEPT OF EDUCATION/XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all XXXX credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. This is your final notice. 
XXXXXXXX XXXX XXXX BANK - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. XXXX ( XXXX ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within XXXX ( XXXX ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA XXXX, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
XXXX. XXXX XXXXXXXX BANK - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. XXXX ( XXXX ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within XXXX ( XXXX ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA XXXX, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
XXXX. XXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 
XXXX ( XXXX ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA XXXX ( 15 U.S.C. XXXX XXXX ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within XXXX ( XXXX ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA XXXX, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
XXXX. XXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. XXXX ( XXXX ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within XXXX ( XXXX ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA XXXX, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 

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 XXXX 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