Consumer complaint received 2025-06-25 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 XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : [ your email used in each report ] Date : [ Insert Todays Date ] To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute, Identity Theft Request for Immediate Deletion of Fraudulent Accounts under FCRA XXXX, FDCPA, and Other Applicable Laws To Whom It May Concern, I am writing to formally notify you that I am a verified victim of identity theft. Please find attached copies of my FTC Identity Theft Reports ( FTC Report Numbers : XXXX, XXXX, and XXXX ) detailing the fraudulent accounts and inquiries appearing on my credit reports without my knowledge or authorization. 

Fraudulent accounts and collections include, but may not be limited to : XXXX ( {$10000.00} ) opened fraudulently in XX/XX/XXXX XXXX XXXX ( {$0.00} balance ) opened fraudulently in XX/XX/XXXX XXXX XXXX ( {$360.00} ) opened fraudulently in XX/XX/XXXX XXXX XXXX ( {$160.00} ) opened fraudulently in XX/XX/XXXX XXXX XXXX XXXXXXXX ( {$220.00} ) opened fraudulently in XX/XX/XXXX XXXX ( multiple fraudulent student loans ranging from {$2000.00} to {$7000.00} ) opened fraudulently between XXXX I demand the following under Federal Law : XXXX Immediate blocking and permanent deletion of each fraudulent account and all related inquiries, as mandated by the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. 
I have provided my identity theft reports and a statement under penalty of perjury that these accounts are unauthorized. 

XXXX Cease and desist all collection activities and disclosures related to these fraudulent accounts as required under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692c, 1692g ]. 
Further reporting or collection attempts constitute continued harm. 

XXXX Correct and update my credit file immediately, as required under FCRA 611 [ 15 U.S.C. 1681i ]. 

XXXX Remove any inquiries related to these fraudulent accounts, which violate my consumer rights and privacy. 



Applicable Legal Support : FCRA 605B [ 15 U.S.C. 1681c-2 ] : Requires consumer reporting agencies to block identity theft-related information within XXXX business days of receipt of proof. 
FCRA 611 [ 15 U.S.C. 1681i ] : Mandates a reasonable reinvestigation and correction.

FDCPA [ 15 U.S.C. 1692 ] : Prohibits continued collection and reporting of disputed debts.

Uniform Commercial Code ( UCC ) 3-501 & 1-308 : I reserve all rights to dispute and not consent to any unauthorized use of my name or credit.

Cease and Desist Notice : Under FDCPA 805 ( c ), you must cease all further communication regarding these fraudulent debts except to confirm deletion. 



Required Response : Per FCRA, you must complete this reinvestigation and provide a full written update within XXXX days. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and I will pursue all available legal remedies. 



Enclosures : Copies of my Identity Theft Reports Proof of identity ( photo ID, utility bill if required ) Thank you for your prompt compliance with federal law. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation