Consumer complaint received 2025-07-23 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 XXXXXX/XX/XXXX 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 XXXXXXXX - This account is CLOSED and PAID but is inaccurately reporting a 90-day late payment. This derogatory mark is false, misleading, and damaging to my credit profile. Under FCRA 607 ( b ) and 1681i, you are legally required to ensure all information is accurate and up to date. I demand immediate removal of this inaccuracy to reflect my positive payment history. Failure to comply will result in legal action. 
XXXX XXXX XXXX XXXX - This is a closed and paid account that is inaccurately reporting negative late payments, which is a direct violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requiring data furnishers to report accurate and complete information.

These errors are harming my credit profile and misrepresent my payment history. I demand immediate correction or removal of this inaccurate reporting to reflect a positive payment history. Failure to comply will result in legal action under FCRA 1681n. 
XXXX XXXX XXXX - 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 4 business days to avoid further harm. Noncompliance may result in legal action for failure to uphold federal consumer protection laws. 
XXXXXXXX XXXX XXXX - 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 4 business days to avoid further harm. Noncompliance may result in legal action for failure to uphold federal consumer protection laws. 
XXXX XXXX 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 4 days to prevent further damage and violation of my consumer rights. 
XXXXXXXX XXXX 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 4 days to prevent further damage and violation of my consumer rights. 
XXXXXXXX XXXX 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 4 days to prevent further damage and violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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