Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE IDENTITY THEFT, FRAUDULENT ACCOUNTS, FRAUDULENT INQUIRIES & UNAUTHORIZED PUBLIC RECORD ( XXXX XXXX BANKRUPTCY ) Demand for Immediate Deletion & Permanent Blocking under : 15 U.S.C. 1681c-2 ( FACTA Identity Theft Block ) 15 U.S.C. 1681i ( Reinvestigation Requirements ) 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) 15 U.S.C. 1681b ( No Permissible Purpose ) UCC 1-308 ( Reservation of Rights ) FCRA 604, 605, 609, 611, 623 HIPAA ( for any medical-related accounts ) State privacy & public-records disclosure laws Dear Credit Bureau Compliance Department, I am submitting this formal dispute as a verified victim of identity theft, supported by my FTC Identity Theft Reports, Report # XXXX, dated XX/XX/XXXX and XX/XX/XXXX, which are attached and incorporated as evidence. 



These reports clearly document fraudulent accounts, fraudulent inquiries, and unauthorized government/public record reporting, including a XXXX XXXX bankruptcy filed without my knowledge, consent, or authorization. 

This bankruptcy and all related items MUST be deleted and blocked immediately. 



XXXX. UNAUTHORIZED PUBLIC RECORD FRAUDULENT XXXX XXXX BANKRUPTCY According to the FTC report filed on XX/XX/XXXX, a Chapter XXXX Bankruptcy is listed under Other Government Documents as fraudulent. 


This bankruptcy was not filed by me, nor did I authorize ANY release of my personal information or public records. 

This violates : FCRA 605A & 605B Identity Theft Block You are federally required to block ALL information that resulted from identity theft within XXXX business days. 

FCRA 604 No permissible purpose A bankruptcy court, trustee, XXXX, XXXX, or any other data furnisher had NO legal authority to access, distribute, or publish my information. 

FCRA 1681e ( b ) Accuracy requirement Reporting a fraudulent bankruptcy is a severe failure of accuracy obligations.

Privacy / Public Records Violations I did not give permission for the release, publication, or distribution of ANY court or public record under : State privacy laws FCRA permissible purpose requirements Federal identity theft protections Therefore, the bankruptcy MUST be immediately deleted and permanently blocked. 



XXXX. DELETE ALL FRAUDULENT ACCOUNTS ( AS LISTED IN FTC REPORTS ) Both FTC reports you have on file confirm multiple fraudulent accounts, including : From FTC Report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent auto loan ) These accounts must be removed under : 15 USC 1681c-2 Mandatory Block Once identity theft is documented, you must block ALL fraudulent information.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers are prohibited from reporting information they know is inaccurate, including identity theft. 



XXXX. REMOVE ALL FRAUDULENT HARD INQUIRIES The FTC reports list numerous unauthorized inquiries, including but not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred without my knowledge or authorization, violating : 15 USC 1681b Permissible Purpose Requirement Credit inquiries without my written permission or initiated application are illegal. 

You must delete ALL unauthorized inquiries immediately. 



XXXX. REMOVE ALL ACCOUNTS AFFECTED BY DATA BREACHES My identity theft reports state that my personal information was compromised in the following breaches : XXXX TransUnion Equifax Experian XXXX These breaches invalidate ANY verification of identity, signatures, credit applications, or public records. 

Under FCRA 609 ( e ), credit bureaus must : Cease reporting all information that can not be proven to belong to the consumer. 

Given the breaches, nothing can be proven valid. 
Therefore, all items must be deleted. 



XXXX. FAILURE TO CORRECT AFTER NOTICE = WILLFUL NONCOMPLIANCE If these items are not fully deleted and blocked, it will constitute : Willful Noncompliance 15 USC 1681n Negligent Noncompliance 15 USC 1681o And I will seek : Statutory damages Actual damages Punitive damages Attorneys fees Injunctive relief However, I prefer to resolve this directly by your compliance with the law. 



REQUIRED ACTION ( WITHIN XXXX BUSINESS DAYS ) XXXX. Delete & permanently block the fraudulent XXXX XXXX  bankruptcy XXXX. Delete all fraudulent accounts listed XXXX. Delete all fraudulent inquiries XXXX. Delete all accounts associated with breached data XXXX. Delete any negative item that can not be 100 % verified as belonging to me XXXX. Send an updated credit report showing removal of all disputed items I reserve all rights under UCC 1-308. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation