Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, MI XXXX CC : Experian / Equifax / TransUnion Re : Formal Dispute and Notice of Identity Theft Demand for Immediate Cessation of Reporting and Collection To Whom It May Concern : This correspondence shall serve as formal notice of dispute and demand for immediate cessation of all reporting and collection activity in relation to the above-referenced account, which is being unlawfully attributed to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I categorically deny any knowledge of, responsibility for, or contractual relationship pertaining to this alleged debt. I have substantial reason to believe that this purported obligation is the product of unauthorized use of my personal information a direct result of identity theft, potentially stemming from the 2017 Equifax data breach, which compromised my private consumer data without consent or mitigation. 



XXXX Grounds and XXXX XXXX XXXX : MCMs conduct to date appears to be in material violation of multiple provisions of federal consumer protection law, including but not limited to : 15 U.S.C. 1681s-2 ( b ) ( FCRA ) Your obligation, as a furnisher of information, to conduct a reasonable and timely investigation upon notice of dispute, and to delete, modify, or permanently block any unverifiable, inaccurate, or incomplete information. 
15 U.S.C. 1681c-2 ( FCRA ) Entitles consumers to have fraudulent information resulting from identity theft blocked from their credit file upon providing appropriate documentation.

15 U.S.C. 1692g ( FDCPA ) The statutory requirement that you cease collection activity and validate the debt upon written request. 
15 U.S.C. 1692e ( FDCPA ) Prohibits the use of any false, deceptive, or misleading representations in connection with the collection of a debt, including falsely implying that I owe an obligation I do not. 



Demand for Immediate Action : In accordance with the above authorities, I hereby demand the following actions be taken within XXXX calendar days : 1. Immediate deletion of the subject account from all consumer reporting agencies ( CRAs ), including but not limited to Experian, Equifax, and TransUnion. 
2. Cessation of all collection efforts, whether direct or through any third-party agent, affiliate, or attorney. 
XXXX. Written confirmation of account deletion and closure, including a statement that XXXX acknowledges the account was either misattributed, unauthorized, or fraudulent in origin. 
XXXX. Should XXXX maintain that the account is valid, you are required to furnish : A legible copy of the original signed agreement, bearing my authentic signature ; A complete chain of title and assignment history proving your legal standing to collect ; A full and detailed transaction history from origination to charge-off ; The methodology and source of verification used during any credit bureau investigation .

Preservation of Rights and Notice of Intent : Failure to comply with the foregoing within the prescribed timeline will be construed as willful noncompliance and may result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General of Texas ; Initiation of legal proceedings for statutory damages, actual damages, attorneys fees, and injunctive relief under 15 U.S.C. 1681n, 1681o, and 1692k. 

This communication constitutes a final warning and preservation of rights. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation