Consumer complaint received 2025-11-05 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:
IDENTITY THEFT DISPUTE LETTER LEGAL / LAW OFFICE STYLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Notice of Identity Theft Demand for Investigation and Permanent Deletion of Fraudulent Entries To Whom It May Concern, This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 605B, 611, and 623 ; 15 U.S.C. 1681c-2, 1681i, 1681s-2 ; 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act Privacy Provisions ) ; and pursuant to UCC 1-308 and 3-501 , hereby reserving all rights without prejudice.

I am the victim of identity theft. The fraudulent hard inquiries, collections, and auto loan accounts listed below were not authorized, initiated, or consented to by me. Under FCRA 605B, you are legally required to block and remove these items from my credit file within 4 business days of receipt of this notice, along with supporting documentation ( including my Identity Theft Report ). 
Disputed Hard Inquiries : 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 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 ) These entries must be immediately deleted or blocked from my credit file as they were created without my knowledge or consent. Failure to comply may constitute willful noncompliance under FCRA 616 and 617, exposing you to liability for actual, statutory, and punitive damages.

Pursuant to 15 U.S.C. 6802, I hereby issue a formal Cease and Desist order against any unauthorized use, sale, or sharing of my personal or financial information. Under UCC 1-308, I reserve all rights without prejudice and do not consent to any further reporting, collection, or dissemination of inaccurate data. 
I expect written confirmation that these items have been removed and my credit file corrected within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation