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, XXXX 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 paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. 
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. 
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. 
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. 
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. 
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. 
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. 

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