Consumer complaint received 2025-06-25 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 TransUnion 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 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. 
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 - 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 XXXX and XXXX, 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. 
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. 
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. 
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 - 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. 
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 - 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. 
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. 
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 - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law.

This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. 
REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX XXXX XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX XXXX XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 
XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law.

This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences.

REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law. 


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