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 XXXXXX/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 : XXXX XXXX XXXX XXXX  - XXXX - This open account reflects a 90-day late payment, which is inaccurate and damaging. I have a consistent and strong payment history. Under FCRA 1681e ( b ), you are required to ensure all information reported is accurate. Correct this error immediately and update the account to reflect a positive payment history. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This open account reflects a 90-day late payment, which is inaccurate and damaging. I have a consistent and strong payment history. Under FCRA 1681e ( b ), you are required to ensure all information reported is accurate. Correct this error immediately and update the account to reflect a positive payment history. 
XXXX. XXXX XXXX XXXX - XXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is a closed and paid account reporting a 30-day late payment on Experian, which is inaccurate. Under FCRA 1681e ( b ), you are required to report with maximum possible accuracy. I have a positive payment history, and this derogatory mark is false and damaging. I demand this error be corrected immediately to reflect a good payment standing. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX. XXXX XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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. 

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