Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ), notice of identity-theft related to TransUnion data breach Demand for deletion and DO NOT REINSERT ; send e-OSCAR XXXX  response. 
To Whom It May Concern : I am writing to dispute the accuracy and furnish notice of identity theft for multiple items on my TransUnion consumer file ( Report Date : XX/XX/XXXX ). I am a victim of the TransUnion data breach and I have an extended fraud alert on my file. Please treat this letter as a formal dispute and identity-theft notice under the Fair Credit Reporting Act ( FCRA ), and as my demand that you delete the disputed items and prevent any reinsertion unless the furnisher provides the statutorily required certification of accuracy. 
The following items are inaccurate, fraudulent, or otherwise incorrectly reported on my TransUnion file ( last 4 digits shown as reported ) : XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection/Charge-off ; Balance : {$29000.00} Last reported XX/XX/XXXX. 
Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-off ; Past Due : {$580.00} Last reported XX/XX/XXXX. 
Credit Report - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Last reported XX/XX/XXXX. 
Credit Report - XXXX XXXX Legal authority and demands : Under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of disputed items. If disputed information is deleted, it may not be reinserted unless the furnisher certifies it is accurate. I demand deletion and a written confirmation of deletion.

Legal Information Institute The FCRA imposes an obligation on CRAs to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and to conduct reasonable investigations under 1681i ( a ). If you fail to perform a reasonable investigation, I will consider all available remedies, including statutory claims under 15 U.S.C. 1681n & 1681o. 
XXXX XXXX XXXX I am providing notice that I am an identity-theft victim you have actual knowledge of identity-theft conditions on my file ( fraud alert present ). Given the TransUnion breach and my identity-theft alert, you must be especially vigilant in verifying any furnisher claim. I demand you treat these items as potentially fraudulent, investigate with urgency, and remove them immediately unless the furnisher supplies competent documentary proof of accuracy. 
Specific administrative/e-OSCAR instructions : Enter these disputes into e-OSCAR and send XXXX ( s ) to the furnishers. If the furnisher can not substantiate the items, the furnisher must send an XXXX  to delete or update the tradeline. I require the CRA to return one of the following e-OSCAR outcomes for each disputed tradeline ( as applicable ) : a verified deletion ( furnisher-sent XXXX  confirming deletion ) or a written explanation of precisely what was verified and what documentation was used. ( Refer to e-OSCARXXXX processing standards. ) E Oscar +1 Timeframe and remedy demanded : I demand these items be deleted from my TransUnion file and confirmation provided to me in writing within FOUR ( 4 ) BUSINESS DAYS of your receipt of this letter. If you elect to reinsert any information later, you must notify me in writing within five business days of any reinsertion and provide the furnisher 's certification proving the information is complete and accurate ( 15 U.S.C. 1681i ).

Legal Information Institute Evidence attached : Copy of XXXX credit report pages showing the disputed entries. 
Credit Report - XXXX XXXX Credit Report - XXXX XXXXXXXX Requested responses : Written confirmation of deletion ( with date deleted ). 
Copy of any e-OSCAR XXXX sent and the e-OSCAR response codes received from furnishers ( or XXXX  ). 
If any furnisher refuses to delete, provide the documentation the furnisher relied upon to verify the accuracy and the exact e-OSCAR response code returned. 
If you fail to comply with the FCRA and my demands, or if you reinsert these items without the furnishers required certification, I will pursue all legal remedies available including filing complaints with the CFPB, the Minnesota Attorney General, and pursuing civil action under 15 U.S.C. 1681n and 1681o. 
Sincerely, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ) Identity-theft notice & DO NOT REINSERT e-OSCAR/XXXX  request To Whom It May Concern : Disputed items on my Experian file ( as reported on XX/XX/XXXX ) : XXXX  XXXX Auto Loan acct # XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge-off reported XX/XX/XXXX. 
Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection/Charge-off reported XX/XX/XXXX. 
Credit Report XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00}. 
Credit Report - XXXX XXXX  I am an identity-theft victim ( fraud alert on my file ). Under FCRA 1681i you must conduct a reasonable reinvestigation and delete any information you can not verify. If you delete information you may not reinsert it unless the furnisher provides certification of accuracy ; you must notify me of any reinsertion within five business days. I request immediate deletion and require that you forward XXXX ( XXXX ) via e-OSCAR to the furnishers and request XXXX  if deletion is appropriate.

Legal Information Institute +1 Demand : Delete the disputed tradelines and confirm deletion in writing within FOUR ( 4 ) BUSINESS DAYS. Provide copies of any e-OSCAR responses and the supporting documentation used by furnishers to verify any tradeline you refuse to delete.

Failure to comply will result in complaints to CFPB and pursuit of statutory remedies under 15 U.S.C. 1681n/1681o. 
Federal Register Sincerely, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ) Identity-theft notice & DO NOT REINSERT e-OSCAR/XXXX  request To Whom It May Concern : Disputed items on my Equifax file ( as reported on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge-off reported XX/XX/XXXX. 
Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge-off reported XX/XX/XXXX. 
Credit Report - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00}. 
Credit Report - XXXX XXXX XXXX FCRA 1681i and 1681e ( b ) you must investigate and remove information you can not verify. If you delete information, it can not be reinserted without furnisher certification, and you must notify me of any reinsertion. I demand deletion and require e-OSCAR/XXXX  action documentation. 
Legal Information Institute +1 Delete these items and confirm deletion in writing within FOUR ( 4 ) BUSINESS DAYS. If you refuse, provide the exact documentation the furnisher used to verify the item and the e-OSCAR response codes. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief