Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Fraudulent Hard Inquiries & Debt Validation Request FTC Identity Theft Report # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of multiple hard inquiries and potential debts that have been reported on my credit file. Due to potential identity theft stemming from known data breaches involving Equifax, TransUnion, and XXXX, my sensitive personal information may have fallen into the wrong hands. 

Under the Doctrine of Estoppel by Silence, as applied in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor any such debt in fact, exists unless you provide proper validation. 

I. Debt Validation Request Under 15 U.S.C. 1681s-2 As a consumer, I am exercising my rights under federal law to demand accurate and verified reporting of any accounts or debts associated with my name. Pursuant to 15 U.S.C. 1681s-2, I request that you provide the following : 1. Proof that I owe any debt associated with the inquiries listed below, including a full itemized accounting of the original amount, interest, fees, and other charges.

2. Signed agreements or contracts that indicate my authorization for such debts or accounts.

3. Proof of legal standing to collect any such debt or report said inquiries on my credit file.

Please respond with this information within 15 days of receiving this notice, as required by applicable state statutes. If no documentation is provided, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Furthermore, reporting inaccurate information across the credit bureaus is a violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reporting. Any uncorrected inconsistencies will result in legal action.

II. Cease Communication Under 15 U.S.C. 1692c ( c ) Under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally request that all communication from debt collectors cease immediately. Any further attempts to contact me regarding this matter will constitute harassment under federal law.

III. Identity Theft & Removal Request Under 15 U.S.C. 605B As a confirmed victim of identity theft ( FTC Report # XXXX ), I am invoking 15 U.S.C. 605B of the Fair Credit Reporting Act ( FCRA ), which requires that fraudulent information be removed from a credit report within four business days of receiving proof. I am providing this proof herein.

The following unauthorized hard inquiries must be removed immediately as they were not initiated by me : Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate ) Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate ) These inquiries have resulted in unjust damage to my credit profile. They are associated with unauthorized attempts to secure credit in my name and therefore qualify for immediate removal under FCRA. 



I demand that : 1. You conduct an immediate and thorough investigation.

2. All fraudulent entries and inquiries be removed from my credit file.

3. You provide written confirmation of your actions and updates to all credit bureaus.

Should your company fail to act in accordance with federal law, I will escalate this matter and seek damages for willful non-compliance. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation