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 TransUnion 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. XXXX XXXX - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 XXXX 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 ( XXXX 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 XXXX - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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. Unknown - XXXX - I demand immediate and non-negotiable action under XXXX XXXX. 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 ( XXXX 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  - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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. XXXXXXXX XXXX - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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  - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 XXXX - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 XXXX 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 ( XXXX 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 XXXX - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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  - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 - XXXX - I demand immediate and non-negotiable action under XXXX 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 ( XXXX 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 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