Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1995 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX XXXX XXXX XXXXXXXX - This is a closed and paid account reporting a XXXX late payment on Experian, which is inaccurate and harmful. Under FCRA 1681e ( b ), data furnishers must ensure maximum possible accuracy. I have a strong payment history, and this derogatory mark is misleading. I demand immediate correction or deletion of this error to reflect an accurate, positive payment history. 2.  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This closed and paid account is inaccurately reporting a XXXX late payment, which is a direct violation of FCRA 607 ( b ) requiring accurate and complete reporting. This negative mark is unjustly harming my credit profile and misrepresents my responsible payment history. I demand immediate correction and removal of this inaccuracy to properly reflect a positive payment record. Continued failure to address this error will result in formal complaints and legal action under FCRA 616 and 617.

3. XXXX XXXX XXXX XXXX XXXXXXXX - This open account is inaccurately reporting a XXXX late payment despite my consistent and strong payment history. This negative mark is damaging my credit profile and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that all information furnished to consumer reporting agencies be complete and accurate. I demand immediate correction of this reporting error to reflect my actual payment performance. Continued failure to remove this inaccuracy will result in formal complaints with the CFPB and legal action under FCRA 616 and 617.

4. XXXX XXXX XXXXXXXX - 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 XXXX business days to avoid further harm. 
Noncompliance may result in legal action for failure to uphold federal consumer protection laws.

5. XXXX XXXX - XXXX - This open account is inaccurately reporting a XXXX late payment despite my consistent and strong payment history. This negative mark is damaging my credit profile and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that all information furnished to consumer reporting agencies be complete and accurate. I demand immediate correction of this reporting error to reflect my actual payment performance. Continued failure to remove this inaccuracy will result in formal complaints with the CFPB and legal action under FCRA 616 and 617.

6. XXXX XXXX - XXXX - This closed account inaccurately reports a XXXX late payment. Under FCRA XXXX ( b ), you are required to ensure maximum accuracy. I demand this outdated and harmful error be corrected immediately to reflect my positive payment history. 
7. XXXX XXXX XXXXXXXX - 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 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 XXXXXXXX XXXX XXXXXXXX - 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 XXXX 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 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 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