Consumer complaint received 2025-06-25 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, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT : Fraudulent Accounts & Inquiries ID Theft Dispute and Demand for Deletion under 15 U.S.C. 1681c-2, 1681s-2, 1692c ( c ), UCC 1-308 To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of the following fraudulent accounts and credit inquiries reported on my credit file as a result of identity theft, per the attached FTC Identity Theft Report # XXXX. 

These accounts were fraudulently opened without my knowledge or consent and are damaging my credit profile and causing undue emotional and financial stress. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related statutes.

Fraudulent Accounts to Be Deleted Immediately : XXXX. XXXX XXXX XXXX  XXXX {$590.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX {$1600.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX  {$0.00} balance, but fraudulent ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$8700.00} ( XXXX XXXX Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX {$1600.00} ( Opened : XX/XX/XXXX ) Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial ( multiple ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for My Dispute : 1. 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires credit bureaus to block fraudulent information resulting from identity theft within 4 business days of receiving proof.

2. 15 U.S.C. 1681s-2 : Furnishers must report accurate information. Continuing to report fraudulent accounts violates this statute.

3. 15 U.S.C. 1692c ( c ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I demand a cease and desist from all attempts to collect on these accounts.

4. UCC 1-308 : I reserve all rights without prejudice and do not waive any rights or admit to any debt. I do not consent to these fraudulent accounts or any contracts.

5. 15 U.S.C. 1681n & 1681o : If this information is not corrected, I reserve the right to pursue legal action for willful noncompliance and actual damages, including statutory damages, attorney fees, and punitive damages.

What I Am Requesting : Immediate deletion of the above accounts and inquiries.

A full reinvestigation under FCRA 15 U.S.C. 1681i.

A new, corrected credit report sent to me.

Cease all reporting of these fraudulent accounts to any third parties.

Attached : FTC Identity Theft Report Proof of Identity Screenshots of Credit Reports with Errors Highlighted If you fail to comply within the legally required timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action as necessary. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief