Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. 
I am a victim of FRAUDULENT ACTIVITY and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I am filing an FTC report and PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT. 
I sent you my complaint about these items before, but you did not respond and did not delete them. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 
Please investigate these matters and remove the disputed items as soon as possible. 
XXXX. XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
Enclosures : Proof of identity : Proof of Address, ID FCRA 605b Enclosure Identity Theft report This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, This is not a regular dispute. Take action immediately you are in violation. 
I am a victim of FRAUDULENT ACTIVITY and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I am filing an FTC report and PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT. 
I sent you my complaint about these items before, but you did not respond and did not delete them. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 
Please investigate these matters and remove the disputed items as soon as possible. 
XXXX. XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
Enclosures : Proof of identity : Proof of Address, ID FCRA 605b Enclosure Identity Theft report This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
I hereby demand that you immed ediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) daysof the completion of your re-investigation and I am keeping a careful recordof your actions, including your Method of Verification. I do notconsent to e-Oscar or any means of automated verifiction.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with non-monetary relief