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: KS

Complaint narrative:
Date : XX/XX/XXXX Via Certified Mail and Email To : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL LAW To Whom It May Concern : I am writing with urgency and concern regarding unauthorized, inaccurate, and fraudulent account information being reported under my name, XXXX XXXX. This correspondence shall serve as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all erroneous account data in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and related federal privacy laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have formally filed an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). I have also submitted formal disputes to XXXX, Equifax, and XXXX. The accounts listed below were not authorized, initiated, or acknowledged by me and are the product of identity theftpotentially by a former or current employee associated with your organization or affiliates. 



FRAUDULENT ACCOUNTS IN QUESTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Payment ( falsely reported ) : XX/XX/XXXX Note : This is an egregious error. A payment can not be posted to a closed accountclear evidence of falsification or misreporting. 


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 has confirmed they possess no valid contract or signed agreement linking me to these accounts.

There exists no chain of custody, assignment documentation, or legitimate evidence binding me to any financial obligation. 
My personal information was improperly shared with third parties, including XXXX XXXX and XXXX XXXX, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

LEGAL VIOLATIONS AND NOTICE Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information furnishers may not report data they know or have reason to believe is inaccurate. Continued reporting after being notified of a dispute violates both the FCRA and FDCPA. Moreover, agencies must conduct a reasonable investigation upon notification of a dispute. 

You are hereby instructed to : 1. Immediately cease and desist from all reporting, collection, and communication related to the above-listed accounts and inquiries.

2. Refrain from sharing or transferring my personal data without express written consent.

3. Delete all records and data associated with the fraudulent accounts from your systems.

4. Issue notification to all consumer reporting agencies of the permanent removal of these accounts.

5. Provide written confirmation of full compliance within five ( 5 ) calendar days of receipt of this letter. 



ATTACHED DOCUMENTS FTC Identity Theft Complaint Signed Affidavit of Identity Theft Supporting Evidence of Fraudulent Reporting CONSEQUENCES OF NON-COMPLIANCE Failure to comply will result in the immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and relevant state authorities. I am also prepared to pursue civil litigation seeking statutory, punitive, and compensatory damages as permitted under federal and state laws. 

I trust your organization will treat this matter with the seriousness it warrants and take swift corrective action to mitigate further harm to my identity and credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation