Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I submit this complaint regarding an incident of identity theft that resulted in adverse entries and improper collection activity on my credit reports. I respectfully request the Consumer Financial Protection Bureaus assistance in investigating and remedying these violations. 

1. Parties Involved I am the consumer, and the debt collector and the original creditor ( if any ) are the parties attempting to hold me responsible for debts I did not incur. I also allege that these entities either failed to properly investigate my dispute or continued collection activities despite clear notice that the account ( s ) at issue were fraudulent.

2. Nature of the Identity Theft An unknown individual unlawfully used my personal identifying informationincluding my Social Security number and date of birthto open or attempt to open one or more credit accounts. I learned of this activity upon receiving collection phone calls and letters demanding payment for an account I had never opened.

Upon discovery, I contacted the alleged creditor ( s ) and debt collector ( s ) to dispute the debt. I also filed a police report, fulfilling my obligations to report the fraudulent activity.

3. Legal Basis Under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( XXXX  ), the unauthorized use of personal identifying information is a federal crime, indicating the seriousness and unlawfulness of the perpetrators actions. 
Collection activities arising from fraudulent accounts implicate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p ( XXXX ). I believe the debt collector ( s ) engaged in unfair and/or misleading practices by attempting to collect on a clearly disputed and fraudulent debt. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ), the Supreme Court clarified that entities violating certain consumer-protection statutes may face liability when they act willfully or recklessly. 
Rulings like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) confirm that concrete harm and accurate reporting are critical ; I have been harmed by adverse credit entries based on fraudulent debts. My credit standing has been damaged, and I have experienced stress and difficulty obtaining credit. 

4. Facts Demonstrating Harm I have never authorized the accounts or transactions in question. The debt collectors negative entries reported to the credit bureaus have impaired my ability to obtain new lines of credit. I have spent considerable time and resources to contest this fraudulent activity, diminishing my finances and causing emotional distress.

5. Attempts to Resolve I have attempted to resolve this matter by contacting the debt collector ( s ) and original creditor ( s ), notifying them in writing that the account is fraudulent. Despite providing documentation, the collection letters continued, and my credit report has not been corrected. I further request that the credit reporting agencies remove or block any adverse entries resulting from this identity theft. 

6. Relief Requested I request that the CFPB investigate the complaints against the debt collector ( s ) and the original creditor ( s ) for violating the FDCPA and failing to properly investigate.

I ask for the removal of any detrimental information on my credit reports that stems from the identity theft. 
I seek verification that none of the debts in question remain collectible or enforceable against me.

I request any further appropriate relief, including ensuring the collectors compliance with federal consumer-protection laws and the cessation of any collection attempts on this fraudulent debt.

Thank you for your attention to this matter. I appreciate the Consumer Financial Protection Bureaus intervention to help protect consumers from fraudulent activity and to hold accountable those who fail to comply with the law when dealing with identity theft disputes. 


Citations : Cases : United States XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Statutes : Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( 2023 ) Fair Debt Collection Practices Act, 15 U.S.C. 16921692p ( XXXX ) CFPB Complaint re : TransUnion Credit Report ( XX/XX/XXXX ) for XXXX XXXX ReedTo Whom It May Concern : I, XXXX XXXX XXXX, hereby submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the TransUnion credit report ( the Report ) dated XX/XX/XXXX. I have identified multiple negative entries that I believe stem from identity theft, which I discovered after reviewing my report.1. Parties Involved Myself, as the consumer, disputing the authenticity of certain accounts and inquiries. Creditors and/or collection agencies named in this complaint. TransUnion, as the credit reporting agency furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries. Specifically, my TransUnion credit file shows the following negative items : ( a ) DEPTEDXXXX XXXX Balance : {$3100.00} Status : 90 days past due Identity Theft Reason : I do not recognize this student loan account, nor did I authorize any changes or late payments on it. ( b ) DEPTEDXXXX XXXX Balance : {$3700.00} Status : 90 days past due Identity Theft Reason : Same as above, the amounts and delinquency are not reflective of my legitimate transactions. ( c ) XXXX ( Account ending XXXX ) : Balance : {$3600.00} Status : Charged off as bad debt Identity Theft Reason : I never incurred this account or agreed to these services. ( d ) XXXX ( Account ending XXXX ) : Balance : {$2100.00} Status : Collection account Identity Theft Reason : This appears to be a fraudulent line of service opened in my name. ( XXXX XXXX XXXX ( Collection ) : Balance : {$800.00} Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : I have no knowledge of a rental or leasing debt with this management group. ( f XXXX XXXX XXXX Collection ) : Balance : {$710.00} Alleged Original Creditor : XXXX XXXX Identity Theft Reason : This also appears to be a fraudulent debt I did not authorize.3. Unauthorized InquiriesMy TransUnion credit report similarly lists many inquiries that I did not approve. Examples include, but are not limited to : XXXXXXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, and othersI never initiated these inquiries, and they diminish my XXXXredit score and ability to obtain legitimate credit.4. Request for Relief1. Investigation : I respectfully request a full CFPB investigation of these accounts and inquiries, requiring TransUnion and the furnishing creditors or collectors to verify the authenticity and accuracy of all negative items.2. Deletion of Fraudulent Items : If the debts can not be fully verified as mine, I demand removal of all disputed trade lines and inquiries from my credit report.3. Fraudulent Activity Notification : I ask that my credit file be flagged for identity theft, for further protection from unauthorized credit activity.4. Confirmation of Correction : I request written confirmation from TransUnion and each furnisher, confirming any deletions or modifications.5. ConclusionI appreciate the CFPBs role in protecting consumers from inaccurate and fraudulent credit reporting. The above items, which appear on my TransUnion credit report, are not mine. I rely on your office to help me resolve these identity theftrelated issues expediently and ensure my credit file is corrected I, XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning several inaccuracies and potentially fraudulent activities reflected in my Equifax credit report dated XX/XX/XXXX. I believe these issues are the result of identity theft. 

1. Parties Involved - Myself, as the consumer disputing inaccurate entries.

- Equifax, as the credit reporting agency furnishing the Report. 
- Creditors and collection agencies named in this complaint. 

2. Summary of Disputed Items and Reasons Accounts - Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3100.00} - Status : Not more than four payments past due - Identity Theft Reason : These loans reflect balances and late payments that I do not recognize, nor did I authorize. 

XXXX Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3700.00} - Status : Not more than four payments past due - Identity Theft Reason : Similar to above, I have no knowledge of incurring these debts or the delinquency status. 

- XXXX XXXX XXXX XXXX - XXXX : {$45000.00} - Status : Charge-off - Identity Theft Reason : This significant debt is unknown to me, and I never consented to any transactions leading to this liability. 

Collection Accounts- XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX - XXXX : {$800.00} - Status : Unpaid - Identity Theft Reason : I have no affiliation with XXXX XXXX XXXX or this supposed debt. 

- Spring Oaks Capital - Original Creditor : XXXX XXXX - Balance : {$710.00} - Status : Unpaid - Identity Theft Reason : I dispute this collection as I have never engaged with XXXX XXXX. 


Unauthorized Inquiries These inquiries are detrimental to my credit score and were not initiated by me : - XXXX XXXX on multiple dates, categorized as auto financing inquiries. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, representing auto financing I did not authorize. 
XXXX XXXX XXXX on XX/XX/XXXX, which is an all banks inquiry. 

3. Request for Relief 1. Investigation : I request a thorough investigation into the accuracy and validity of the disputed accounts and inquiries.

2. Correction and Removal : I demand the removal of all fraudulent accounts and inquiries from my Equifax credit report.

3. Fraud Alerts : I request that my credit file be flagged with a fraud alert to prevent further unauthorized activity.

4. Confirmation of Resolution : I ask for written confirmation from Equifax and the involved creditors regarding any changes or deletions made to my credit report. 

4. Conclusion I appreciate the CFPBs assistance in rectifying these issues. Misrepresentations in my credit report have affected my financial standing and peace of mind. I rely on your office to facilitate a swift resolution to ensure my credit file is both accurate and secure. 

I, XXXX XXXX, respectfully submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my Equifax credit report dated XX/XX/XXXX. The report contains multiple negative items and an extensive list of inquiries that I believe were caused by identity theft. Below, XXXX detail each disputed item and provide the reasons for disputing them. 

XXXX. Summary of Disputed Negative Items XXXX XXXX XXXX XXXX Account - Balance : {$45000.00} ; Status : Charge-off - Identity Theft Reason : I did not authorize or open any account resulting in this large balance, which has been charged off without my knowledge or consent. 

Collection Account XXXX XXXX XXXX - XXXX : {$800.00} ; Original Creditor : XXXX XXXX XXXX - Identity Theft Reason : I have no relationship with XXXX XXXX XXXX and no knowledge of incurring such a debt. It appears someone used my information fraudulently. 

Collection Account XXXX XXXX XXXX  - Balance : {$710.00} ; Original Creditor : XXXX XXXX - Identity Theft Reason : I never did business with XXXX XXXX, and did not authorize or incur this debt. 

2. Disputed Inquiries Believed to Be Fraudulent I also dispute numerous inquiries on my Equifax report that I did not personally authorize. Examples include, but are not limited to : XXXX XXXX XXXX multiple dates ) - Identity Theft Reason : I did not seek auto financing or approve any new credit applications tied to Ally Financial. 

XXXXXXXX XXXX XXXX XXXX ( on or about XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Identity Theft Reason : These inquiries suggest attempts to obtain auto financing in my name, which I did not initiate. 

XXXXXXXX XXXX ( on or about XX/XX/XXXX ) - Identity Theft Reason : This bank inquiry suggests a credit application for which I never submitted my personal data. 

3. Request for Relief 1. Investigation and Verification I respectfully request that the CFPB ensure Equifax and all relevant furnishers fully investigate the authenticity of these debts and inquiries. Should they be unable to provide documented proof that I authorized them, I ask that Equifax remove the disputed items immediately.

2. Removal of Fraudulent Entries I ask the CFPB to direct Equifax to remove any negative items linked to identity theft ( including inquiries and alleged debts ) from my report, in compliance with federal law. 

3. Correction of All Affected Credit Files I request a corrected credit report and written confirmation to assure an accurate credit profile moving forward. Additionally, I seek to have a fraud alert placed on my file to safeguard against further unauthorized activity.

4. Conclusion I appreciate the CFPBs assistance in resolving this matter. I believe I have been the victim of identity theft, with multiple unauthorized accounts, collections, and inquiries appearing on my Equifax report. These entries are causing undue harm to my financial standing, and I rely on your office to ensure these disputes are handled promptly and thoroughly. 

Thank you for your assistance. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several negative and erroneous items appearing on my Equifax credit report dated XX/XX/XXXX. The erroneous or disputed items include a charged-off account, collection accounts, and numerous inquiries that I do not recognize or authorize. The presence of these inaccuracies is negatively impacting my credit profile as well as my overall financial wellbeing.BackgroundOn review of my attached Equifax credit report, I noted a Fraud Victim status associated with my account. Despite this designation, my report still shows multiple items that appear to be either : Incorrectly attributed to me Fraudulent in nature Inaccurate or unverifiable based on the supporting documentationBelow is a summary of specific negative items that I dispute or believe are erroneously reported:1. XXXX XXXX XXXX XXXX ( XXXX ) This account is reported as an installment loan with a charged-off balance of {$45000.00}. The payment history indicates escalating delinquency and a Charge-Off status. I contest responsibility for this account and maintain that the alleged balance and status are factually inaccuratXXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) This Other account shows a reported balance of {$710.00}. The status is Collection, and the Date Reported is listed as XX/XX/XXXX. I dispute that I owe {$710.00} to XXXX XXXX XXXX XXXX XXXX, and do not recognize this debt as XXXX. XXXX XXXX XXXX ( XXXX ) Reflected as Collections in my report, showing an original balance owed of {$800.00}. Identified as XXXX XXXX as the Original Creditor. I challenge the legitimacy of this debt and request that it be removed if it can not be verified as belonging to me.4. Multiple Inquiries The credit report references a significant number of recent inquiries by lenders, credit unions, automotive finance institutions, and banks. For instance, entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and many more within a short time span. I expressly dispute many of these inquiries, as they appear unauthorized or fraudulent. They artificially lower my credit score and misrepresent my intentions to seek new credit.Disputed/Inaccurate ReportingI am deeply concerned that these negative items remain on my credit report despite the presence of a Fraud Victim marker. My repeated attempts to clarify and resolve these disputes with the respective furnishers have not yielded appropriate corrections. Further, the high volume of inquiries suggests possible identity theft or misuse of my personally identifying information, all of which I have repeatedly reported.Request for Relief1. Immediate Investigation and Removal : I respectfully request that the CFPB direct a thorough investigation into these disputed accounts and inquiries. If the data furnishers can not validate the accuracy of each reported item, they must remove or correct the erroneous references as required.2. Verification of Debt and Account Ownership : I request formal proof of any alleged debt and explicit explanation of how these charges or inquiries were initiated.3. Protection Against Further Harm : Given that my credit file status notes I am a fraud victim, I request additional oversight and protection, including but not limited to placing appropriate fraud alerts and removing any new impermissible inquiries.4. Confirmation of Resolution : I ask that all impacted parties or credit bureaus confirm in writing when each disputed entry or erroneous inquiry is removed from my credit report, ensuring no residual negative impact.ConclusionI appreciate the CFPBs assistance with rectifying these issues. I have endured unwarranted harm through illegitimate charges, incorrect reporting, and numerous questionable credit inquiries. I respectfully request that you intervene to ensure adherence to proper reporting standards and to restore my accurate credit profile. 

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