Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
To Whom It May Concern, RE : Formal Dispute of Multiple Accounts Due to Identity Theft and Data Breach Impact I am writing to formally dispute the reporting of multiple accounts appearing on my credit report, which I believe are the result of identity theft or unauthorized use of my personal information. These accounts do not belong to me, and I did not authorize any transactions or credit applications associated with them. 

Recently, my personal information was compromised in the Experian data breach that occurred in [ XX/XX/XXXX ], which may have resulted in unauthorized use of my identity. I am therefore disputing these accounts as potentially fraudulent and tied to that breach. 

Applicable Laws and Consumer Protections I am exercising my rights under the following federal and state laws to dispute these accounts and demand proper investigation and correction of all inaccurate information : The Fair Credit Reporting Act ( FCRA 609 and 611 ), which governs the accuracy and privacy of consumer credit information ; The Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair or deceptive debt collection practices ; The Fair and Accurate Credit Transactions Act ( FACTA ), which provides protections related to identity theft and credit reporting ; The Pennsylvania Consumer Credit Protection Law ( 73 P.S. 2270.1 et seq. ), which offers additional state-level consumer protections against inaccurate credit reporting ; The Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) ( 73 P.S. 201-1 201-9.3 ), which prohibits unfair, deceptive, or fraudulent business practices ; and The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which criminalizes identity theft and related offenses. 
Below is a list of accounts I am disputing : XXXX XXXX XXXX XXXX XXXX, {$15000.00} ( Updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, {$20000.00} ( Updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  {$400.00} / {$3600.00} / {$1500.00} / {$2300.00} ( Late Payments, Updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$260.00} ( Updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, {$480.00} ( Updated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} ( Updated XX/XX/XXXX ) These accounts are being reported inaccurately, and I request immediate investigation and the following for each : A signed contract or original application bearing my signature ; Complete account history and payment details ; The identity and contact information of the original creditor ; Documentation confirming the legitimacy of each transaction and proof the data was not compromised. 
Until such documentation is provided, I request these accounts be marked as disputed with all consumer reporting agencies. If verification can not be provided, I respectfully demand permanent deletion from all credit reporting. 

Legal Rights and Remedies Please be advised that under the Fair Credit Reporting Act and related consumer protection laws, I have the right to seek legal remedies if my dispute is not handled properly. Failure to investigate and correct inaccurate or fraudulent information may result in my pursuing enforcement through state or federal regulatory agencies or courts. 


Please respond within XXXX  days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation