Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR DELETION Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE UNAUTHORIZED, UNVERIFIED, AND POTENTIALLY COMPROMISED CREDIT DATA Consumer : XXXX XXXX XXXX DOB : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX TransUnion File Number : ( as shown on your report dated XX/XX/XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy, legality, and continued reporting of multiple items appearing on my TransUnion consumer report dated XX/XX/XXXX. 

This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 1681b, 1681e ( b ), 1681g, 1681i, and 1681o1681n.

NOTICE OF DATA BREACH & HEIGHTENED BURDEN OF PROOF As you are aware, TransUnion has been subject to major data breaches involving the unauthorized exposure of consumer personal and financial information. Due to this breach, the integrity, authenticity, and chain of custody of any data you are reporting about me is legally suspect.

Accordingly, any information furnished under compromised conditions is presumed inaccurate unless you can prove otherwise.

RIGHT TO PRIVACY UNAUTHORIZED DISCLOSURE 15 U.S.C. 1681b & 1681g You are prohibited from reporting, selling, or disseminating any consumer data without a permissible purpose and verifiable consumer authorization.

I do not consent to : The reporting of unverified accounts The reporting of accounts obtained, furnished, or maintained through compromised systems The continued dissemination of inaccurate or incomplete information FORMAL DEMAND FOR STRICT VERIFICATION 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I hereby demand that TransUnion provide competent, documentary evidence for each disputed account, including : 1. Original signed contracts or applications 2. Proof of permissible purpose 3. Chain-of-title documentation for any transferred or sold accounts 4. Proof of accuracy obtained through a reasonable reinvestigation, not automated e-Oscar verification 5. Evidence that the data was not affected by the TransUnion breach Failure to provide the above requires immediate deletion.

DISPUTED ITEMS I dispute any and all accounts, collections, charge-offs, late payments, balances, and derogatory remarks appearing on my TransUnion report that : Can not be verified with original documentation Are inaccurately reported Are the result of compromised data systems Reflect inconsistent balances, dates, or statuses Were previously disputed yet reinserted without proper notice This includes but is not limited to derogatory, collection, and charged-off accounts currently harming my creditworthiness.

NOTICE OF LIABILITY 15 U.S.C. 1681e ( b ), 1681n, 1681o If TransUnion continues to report inaccurate or unverified information, you may be liable for : Statutory damages Actual damages Punitive damages Attorneys fees and court costs I am documenting all violations for potential escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General Federal District Court DEMAND You are required to : Conduct a lawful reinvestigation Delete any item you can not verify with admissible evidence Provide written confirmation of deletions Send an updated credit report You have 30 days from receipt of this letter to comply.

NO CONSENT This letter does not grant consent for : Phone contact Automated verification Continued dissemination of inaccurate data All responses must be in writing only. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation