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 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. 
You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
XXXX. XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. 
You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
3. XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
4. XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting 1 of 8 late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. 
You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
5. XXXX XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. 
Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
6. XXXX XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act XXXX, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. 
You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA XXXX and XXXX, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
7. XXXX XXXX XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. 
You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
8. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 

2 of 8 9. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 

10. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.

11. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.

12. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.

13. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.

14. 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) 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 aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4. 
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. 
( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error, or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer. 
shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i.

( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew. 
or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
( d ) Exception for resellers. 
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller.

( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting. 
agency from which the consumer information was obtained for resale. 
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negatable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section.

1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. 
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 

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 US 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