Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX RE : Formal Identity Theft & Data Breach Dispute Immediate Removal Demanded | FCRA 605B, 611, 623 ( b ), UCC 3-501, FERPA To Whom It May Concern, This letter serves as your formal legal notice that the below accounts are being disputed under federal identity theft and data breach provisions. You are hereby instructed to immediately remove the following accounts and entries from my credit report as they are the result of identity theft and unauthorized use of my personal information, in direct violation of : Fair Credit Reporting Act ( FCRA ) 605B, 611, 623 ( b ) Family Educational Rights and Privacy Act ( FERPA ) Uniform Commercial Code ( UCC 3-501 ) ACCOUNTS TO BE DELETED : XXXX. XXXX Account # : XXXX Balance : {$3600.00} Account # : XXXX Balance : {$2300.00} These are federal student loans. Under FERPA [ 20 U.S.C. 1232g ], no personal or educational records including student loan data may be shared with any third party ( including Equifax ) without my explicit written consent. I never gave authorization for this data to be reported or furnished. 
XXXX. XXXX Account # : XXXX XXXX : Disputed due to breach exposure XXXX. XXXX XXXX ( XXXX XXXX : XXXX ) Account # : XXXX XXXX {$770.00} XXXX. XXXX XXXX XXXX Account # : XXXX Collection {$630.00} XXXX. XXXX Account # : XXXX Charge-Off {$5600.00} I have no contractual agreement or relationship with the above-mentioned entities. These accounts were established or reported using compromised data and are part of a confirmed identity theft event.

LEGAL JUSTIFICATION FOR REMOVAL : FCRA 605B Identity Theft Block Under this section, you are required to block the reporting of all accounts resulting from identity theft within XXXX business days upon receipt of a written request, proper ID, and a police report or identity theft affidavit ( available upon request ).

FCRA 611 Reasonable Investigation Equifax must conduct a thorough and independent investigation of all disputed information. Reliance on automated systems like e-OSCAR without obtaining original verifying documentation is a direct violation.

FCRA 623 ( b ) Furnishers Obligation If the furnishers of these accounts can not verify the legitimacy of these items with documented evidence, you must promptly delete them.

UCC 3-501 Demand for Verification I am legally demanding that you obtain and provide the original application, wet signature, and proof of permissible purpose that justifies the reporting of each item listed. If that can not be produced, the accounts must be deleted.

15-DAY COMPLIANCE WINDOW : You are hereby given 15 days from the date of receipt of this letter to : Delete all the accounts listed above Mail me written confirmation of removal Provide copies of any records used to verify these items Failure to comply will result in : A formal complaint with the CFPB, FTC, and Department of Education Legal action for statutory and punitive damages under FCRA 616 and 617 This is your final warning. I expect full compliance and resolution within XXXX calendar days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation