Consumer complaint received 2025-08-02 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX, KS XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized account information and credit inquiries currently appearing on my Equifax credit report. This correspondence serves as both a Notice of Identity Theft and a Demand for Immediate Deletion of these items pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and all applicable federal and state consumer protection laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have submitted a formal Identity Theft Report to the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me, and are the direct result of identity theft : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX Account No : XXXX Reported Balance : {$2100.00} High Credit Amount : {$15000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account No : XXXX High Credit Amount : {$9200.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, XXXX ( Collection Account ) Original Creditor : Kansas XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$11000.00} FACTUAL AND LEGAL GROUNDS FOR REMOVAL : 1. The named creditors have confirmed they possess no valid contract, application, or signed agreement linking me to these accounts.

2. There exists no chain of custody, assignment, or transactional documentation connecting me to any financial obligation with these institutions.

3. No verified identification, IP address, or authenticated identity method ties these accounts to me.

4. These accounts were opened without my knowledge or authorization, constituting a violation of my rights under federal law.

RELEVANT CASE LAW SUPPORTING REMOVAL : Equifax-Specific Cases 1. Drew v. Equifax Info. Servs., LLC , 690 F.3d 1100 ( 9th Cir. 2012 ) Equifax was held liable for failing to investigate disputed items under 15 U.S.C. 1681i ( a ), allowing false data to remain and causing damage. This confirms Equifaxs legal obligation to remove unverified or inaccurate data upon consumer dispute.

2. Burke v. Equifax Info. Servs., LLC , 2018 WL 6330544 ( E.D . Va. Dec. 3, 2018 ) Equifax failed to reinvestigate fraudulent accounts the plaintiff denied opening. The court found continued reporting without proper verification constituted harm, warranting damages.

Federal Statutory Authority and Additional Case Law 1. 15 U.S.C. 1692e FDCPA Prohibits false or misleading representations by debt collectors.

Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) Collectors must verify debts before collection. Attempting to collect on known fraudulent accounts violates FDCPA.

2. Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Collectors are responsible for ensuring debts are legitimate. Collection efforts on fraudulent accounts without proper validation constitute legal violations under state and federal law.

DEMAND FOR ACTION Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report data they knowor should knowis inaccurate. Equifaxs continued reporting of these fraudulent accounts is a willful violation of the FCRA and related statutes.

Therefore, I formally demand that Equifax : 1. Cease and desist all reporting, verification, or sharing of the listed fraudulent accounts and inquiries.

2. Permanently delete all fraudulent accounts and associated inquiries from my credit file.

3. Block future access or reporting of any data connected to these entries without my express written consent.

4. Notify all furnishers and credit reporting agencies of the corrections.

5. Confirm compliance in writing within XXXX ( XXXX ) calendar days of receiving this notice. 



ENCLOSURES : FTC Identity Theft Report Personal affidavit and supporting documentation NOTICE OF ENFORCEMENT Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorneys General. I reserve the right to pursue civil litigation for actual, statutory, and punitive damages. 

Thank you for your immediate attention and lawful cooperation. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation