Consumer complaint received 2025-07-23 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 - I demand immediate action under 15 U.S.C. 1681a ( 3 ) 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 605B ( 15 U.S.C. 1681c-2 ), block and remove all fraudulent data from my credit file within 4 business days. 
2. XXXX XXXX XXXX XXXX  XXXX - This is a closed and paid account that is inaccurately reporting negative late payments, which is a direct violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requiring data furnishers to report accurate and complete information. These errors are harming my credit profile and misrepresent my payment history. I demand immediate correction or removal of this inaccurate reporting to reflect a positive payment history. Failure to comply will result in legal action under FCRA 1681n. 
3. XXXX  - XXXX - This is a closed and paid account that is inaccurately reporting negative late payments, which is a direct violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requiring data furnishers to report accurate and complete information. These errors are harming my credit profile and misrepresent my payment history. I demand immediate correction or removal of this inaccurate reporting to reflect a positive payment history. Failure to comply will result in legal action under FCRA 1681n. 
4. Unknown - 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 ) 1681c-2 and 1681i, 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. 
5. 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 ) 1681c-2 and 1681i, 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. 
6. 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 ) 1681c-2 and 1681i, 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. 
7. Unknown - XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o. 
8. XXXX XXXX - XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA 1681n and 1681o.

9. 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 ) 1681c-2 and 1681i, 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. 
10. 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 ) 1681c-2 and 1681i, 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. 

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