Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Experian Equifax TransUnion From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX RE : FORMAL DISPUTE, FRAUD BLOCK, AND NOTICE OF FEDERAL RIGHTS FTC REPORT XXXX  XXXX To Whom It May Concern, I am submitting this letter as a formal dispute, fraud affidavit, and demand for immediate deletion and permanent blocking of all fraudulent accounts, student loans, hard inquiries, and derogatory items reported on my credit file. 

I am a verified victim of identity theft, as documented in my FTC Identity Theft Reports ( FTC Report # XXXX ) which you are legally required to honor under FCRA 602A, 603 ( q ), 605B, and FACTA Identity Theft Red Flag Rules. 



1. LEGAL BASIS FOR IMMEDIATE DELETION & BLOCKING Federal Laws Violated You are legally required to block ALL fraudulent information within 4 business days under : FCRA 605B Identity Theft Blocking Requirement You must block all disputed and fraudulent information when provided : FTC Identity Theft Report Proof of identity List of fraudulent accounts/inquiries All requirements have been met. 

FCRA 611 & 623 ( a ) ( 3 ) Duty to Investigate & Duty to Report Accurate Information Reinserting previously deleted accounts without : 1. Written notice, 2. Certified proof of investigation, and 3. Credible verification is a direct violation of federal law. 

FCRA 609 ( e ) Duty to Provide Fraudulent Account Documentation You are required to provide : Applications, contracts, IP addresses, call logs, device IDs PROVING I opened these accounts. 

FCRA 602, 605 ( a ) Reporting of inaccurate, unverifiable, outdated information Any unverifiable or inaccurate account must be deleted. 

FACTA Red Flags Rule You failed to detect identity theft patterns even AFTER my data was exposed in multiple documented data breaches. 

XXXX ( XXXX breach issue ) My private student loan information was accessed without authorization, violating federal privacy protections for educational financial records. 

Gramm-Leach-Bliley Act My private financial data was not safeguarded. 

UCC 1-308 Full Rights Reserved I do not waive any rights ; all disputes are under reservation of rights. 



2. DATA BREACHES IDENTIFIED My personal identifying information was exposed in : TransUnion breach Equifax breach Experian breach XXXX XXXX XXXX breach XXXX breach This is documented in the FTC identity theft reports and confirms that fraudulent activity arose from stolen data. 


Under FCRA 605B, any data shown to be linked to breach-related identity theft must be deleted and blocked. 



3. FRAUDULENT ACCOUNTS TO BE IMMEDIATELY DELETED & BLOCKED Based on the FTC reports you must block : XXXX XXXX ( multiple fraudulent CC accounts ) Fraud dates : XX/XX/XXXX Discovered : XX/XX/XXXX Amounts : {$470.00}, {$450.00} XXXX XXXX XXXX ( fraudulent utility account ) Opened : XX/XX/XXXX Amount : {$790.00} XXXX XXXX XXXX ( fraudulent personal loan ) Fraud began : XX/XX/XXXX Amount : {$4400.00} XXXX XXXX XXXX ( fraudulent credit account ) Fraud began : XX/XX/XXXX Amount : {$22000.00} XXXX XXXX XXXX ( fraudulent credit account ) Fraud began : XX/XX/XXXX Amount : {$14000.00} 4. FRAUDULENT STUDENT LOANS ( XXXX ) All student loans listed in the FTC reports must be deleted as fraudulent, including : Fraud amounts include : {$6600.00} {$10000.00} {$18000.00} {$3600.00} {$4100.00} {$4500.00} {$5000.00} {$6500.00} {$1500.00} {$3500.00} {$2500.00} {$2100.00} {$1900.00} {$690.00} {$990.00} {$1100.00} {$1500.00} These were NOT authorized and resulted from stolen data. 



5. INACCURATE XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX PAID IN FULL FTC report confirms this account : Was never late Is inaccurately reported Must be corrected to 100 % on-time payment history This is a 619 ( 1 ) inaccuracy violation. 



6. FRAUDULENT HARD INQUIRIES TO DELETE From the FTC reports, remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries occurred without my authorization and during periods of identity theft. 



7. REINSERTION WITHOUT INVESTIGATION Several items were deleted, then reinserted without legally required : Written 5-day notice Name of furnisher Method of verification Certified proof This is a direct FCRA 611 ( a ) ( 5 ) violation. 



8. DEMANDS Under federal law, I demand : 1. Immediate BLOCKING ( FCRA 605B ) Of all fraudulent accounts and inquiries. 

2. Deletion of all unverifiable, inaccurate, and breach-related data 3. XXXX XXXX XXXX to PERFECT payment history 4. Full Method of Verification ( XXXX ) Provide : Application copies IP addresses Device geolocation Contract signatures Call recordings Failure to provide XXXX = mandatory deletion. 

5. Written results within 30 days 6. No reinsertion without full compliance 9. DAMAGES & NOTICE OF LIABILITY If these items are not corrected within the legal timeframe, I will seek : Civil damages under FCRA 616 & 617 Claims under FACTA Complaints with CFPB, FTC, Attorney General Actual, punitive, and statutory damages 10. ENCLOSURES FTC Identity Theft Reports ( all pages ) My identification All reports were sourced from the uploaded documents : Respectfully XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation