Consumer complaint received 2025-06-15 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: OH

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Re : Formal Dispute and Accuracy Correction XXXX Finance Account Opened XX/XX/XXXX XXXX  XXXX Fraudulent Account per FTC Identity Theft Report # XXXX To Whom It May Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681s-2 ( a ), and 1681e ( b ), to dispute the inaccurate information on my credit report and to request immediate corrections and deletions of the items listed below. 



XXXX. XXXX XXXX False Late Payments Reported Despite fulfilling all obligations under this account and paying it in full, your records inaccurately reflect missed payments for various months in XXXX and XXXX. I have never missed a payment on this account. This reporting is demonstrably false and is damaging my creditworthiness. 
Account Name : XXXX XXXX Opened : XX/XX/XXXX Closed/Paid : {$0.00} balance reported as of XX/XX/XXXX Highest Balance : {$21000.00} Status : Paid in full with 100 % of loan satisfied Incorrectly Reported Late Payments : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX As mandated by 15 U.S.C. 1681e ( b ), you are required to maintain only accurate and complete information. I demand you immediately correct these errors and reflect all months as Paid on Time across all reporting periods. 



XXXX. XXXX XXXX Identity Theft / Fraudulent Account In addition, I am formally disputing the reporting of any XXXX  XXXX accounts or inquiries opened under my name that do not belong to me. 

This account is identified in my FTC Identity Theft Report ( # XXXX ) as fraudulently opened in XX/XX/XXXX. I became aware of this unauthorized activity in XX/XX/XXXX. The total fraudulent amount reported was {$2700.00}. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fraud Date : Opened XX/XX/XXXX without authorization Discovered : XX/XX/XXXX Total Amount : {$2700.00} Supporting Evidence : Attached FTC Identity Theft Report Pursuant to 15 U.S.C. 1681c-2 ( Section 605B ), which governs procedures for blocking identity theft-related information from credit files, I am requesting permanent deletion of all XXXX XXXX accounts, inquiries, and tradelines that originated from this identity theft. This is a formal request to block and remove this data from my report. 



Legal Notice This notice also serves as a formal reservation of my rights under UCC 1-308 Without Prejudice.

Failure to comply within the legally mandated 30-day window may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and legal action seeking monetary damages under 15 U.S.C. 1681n and 1681o.

Please provide confirmation of the results of your reinvestigation and all updates made to my credit file. This is a direct demand for correction and deletion, not a request for verification. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief