Consumer complaint received 2025-07-01 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Identity Theft Claim Under FCRA 605B, FDCPA, UCC-1-308, and XXXX Demand for Immediate Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute and demand the removal of multiple fraudulent accounts appearing on my credit report as a direct result of identity theft, as documented in my official FTC Identity Theft Report ( # XXXX ), which is enclosed for your reference pursuant to 15 U.S. Code 1681c-2 ( FCRA 605B ).

Fraudulent Accounts to Be Deleted Immediately : XXXX. XXXX XXXX XXXX {$1000.00} Reported on : XX/XX/XXXX Original Creditor : XXXX XXXX Opened : XX/XX/XXXX XXXX. The XXXX XXXX XXXX {$1000.00} Reported on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX These XXXX accounts represent the exact same alleged debt, fraudulently opened and then double-reported under different collection agencies. This is not only inaccurate reporting under FCRA 1681s-2 ( a ), but also a deceptive and misleading practice that constitutes a violation of 15 U.S. Code 1692e ( 8 ) ( FDCPA False representation of debt ). This duplicative entry is misleading and must be deleted immediately. 

XXXX. XXXX XXXX XXXX {$1900.00} Reported : XX/XX/XXXX Original Creditor : XXXX  XXXX XXXX Opened : XX/XX/XXXX Medical debt reporting is now restricted under CFPB guidance and the XXXX XXXX XXXX XXXX, which prohibits reporting of unpaid XXXX XXXX under a certain timeframe and especially without full XXXX documentation. This account is in direct violation of medical privacy laws and should be immediately removed. 

XXXX. XXXX XXXX {$39000.00} Fraudulent Auto Loan Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX This account was fraudulently opened in my name as shown in my FTC Identity Theft Report. I demand its permanent removal from all credit bureaus under FCRA 605B and FDCPA 809. This is a serious breach involving a vehicle I did not authorize, sign for, or possess. 



Legal Basis for Deletion : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity theft victims have the right to block fraudulent information from their credit reports by providing a valid identity theft report.

FDCPA ( 15 U.S.C. 1692e, 1692g ) : Pro
hibits debt collectors from reporting or collecting a debt that is not valid or that has been disputed without validation. 
XXXX : Medical accounts must not be disclosed without proper authorization. No such authorization was provided by me.

UCC 1-308 : I reserve all rights without prejudice and do not waive any right to pursue damages.

Cease & Desist Notice : Under 15 U.S.C. 1692c ( c ), I am invoking my right to demand that all communication and collection efforts regarding these fraudulent accounts cease immediately. 



Actions Demanded : 1. Immediate deletion of the accounts listed above from my credit report.

2. Written confirmation that each account has been permanently removed.

3. Cease all further reporting or attempts to collect on these fraudulent accounts.

4. Investigate and correct all inaccurate and duplicate entries without delay, as required by 15 U.S.C. 1681i. 

Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of civil action for damages under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation