Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Reinserted Fraudulent Collection ( XXXX XXXX XXXX ) FTC Report # : XXXX Account in Dispute : XXXX XXXX XXXX {$2400.00} To Whom It May Concern : I am writing to formally dispute the fraudulent collection account listed under XXXX XXXX XXXX for the amount of {$2400.00}, which has recently reappeared on my credit file after previously being removed due to confirmed identity theft. 

As documented in my Federal Trade Commission Identity Theft Report ( # XXXX ), I was the victim of identity theft beginning in XX/XX/XXXX. This fraudulent account was neither authorized nor opened by me. The collection agency, XXXX XXXX XXXX, has no valid agreement with me and no legal grounds to report this debt in my name. This re-reporting of a fraudulent account constitutes a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to : 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ) You are required to block fraudulent information from appearing in a consumers credit report within XXXX business days of receiving proof of identity theft. I have submitted such proof, including my signed FTC Identity Theft Report. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Once an item is deleted following a reinvestigation, it may not be reinserted unless the furnisher certifies the accuracy of the information. I demand all reinsertion documentation if this applies, as I was not notified as required under FCRA. 
15 U.S.C. 1681n & 1681o Failure to comply with these statutes entitles me to seek actual damages, statutory damages, and attorney fees in federal court for negligent or willful noncompliance. 

This inaccurate account has caused substantial stress, emotional distress, and financial harm. It has damaged my creditworthiness and interfered with my ability to obtain housing, employment, and financial stability. Therefore, I demand : 1. Immediate and permanent removal of this fraudulent collection account from all three credit bureaus.

2. A full investigation and written confirmation of the deletion.

3. Monetary compensation for the damages caused by your failure to protect my credit data from inaccurate and unauthorized reinsertion. 

This is a formal request for compliance under the FCRA and U.S. Code Title 15. If this matter is not resolved within 15 calendar days, I will pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Ohio Attorney General, and consideration of civil action for damages under federal law. 

Enclosed are copies of my FTC Identity Theft Report, proof of identity, and supporting documentation. This is a CEASE AND DESIST notice to stop reporting and attempting to collect on any fraudulent debt not legally attributable to me. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief