Consumer complaint received 2025-06-26 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 : XXXX. XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX - XXXX - This is an open collection account resulting from identity theft. I have filed an identity theft report with the FTC, which is attached. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, 1681i, and 1681s-2, I demand the immediate deletion of this fraudulent and harmful account from my credit report. This account was opened without my knowledge or consent and is inaccurately impacting my credit. As provided by FCRA, this negative item must be removed within 4 business days to avoid further harm. Noncompliance may result in legal action for failure to uphold federal consumer protection laws. 
XXXX. XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX. - XXXX - This is an open collection account resulting from identity theft. 
I have filed an identity theft report with the FTC, which is attached. Under the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX, and XXXX, I demand the immediate deletion of this fraudulent and harmful account from my credit report. This account was opened without my knowledge or consent and is inaccurately impacting my credit. As provided by FCRA, this negative item must be removed within XXXX business days to avoid further harm. Noncompliance XXXX result in legal action for failure to uphold federal consumer protection laws. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX. XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 

XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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