Consumer complaint received 2025-05-14 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:
This should be the only public info showing on my credit report please update my address and email address and phone number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : U.S. Department of Education Federal Student Aid / Credit Reporting & Collections Division Office of Inspector General Credit Bureaus : Equifax, TransUnion, Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Subject : Formal Identity Theft Dispute and Demand for Immediate Deletion, Investigation, and Compensation * Violation of 15 U.S.C. 1681s-2, 1681i, 1681c-2, 1692c ( c ), 20 U.S.C. 1232g ( FERPA ), and Other Federal Consumer Protection Laws To Whom It May Concern : I am writing to file a formal dispute and identity theft complaint pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Family Educational Rights and Privacy Act ( FERPA ), among others. I demand immediate deletion of all fraudulent accounts, credit inquiries, and derogatory information arising from the identity theft incident reported in FTC Report # XXXX. 

I. SUMMARY OF IDENTITY THEFT According to my sworn FTC Identity Theft Report, my personal identifying information was used without my knowledge or consent to open fraudulent mobile phone accounts and initiate unauthorized hard inquiries with XXXX XXXX XXXX  XXXX. These events began in XX/XX/XXXX, were discovered in XX/XX/XXXX, and include XXXX fraudulent XXXX XXXX XXXX accounts totaling {$1700.00} each, listed on my credit profile. 

Additionally, unauthorized credit inquiries by XXXX XXXX XXXX  XXXX appear on Equifax ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ) as shown in the attached credit screenshots. These were made without my consent and in direct violation of 15 U.S.C. 1681b. 

II. LEGAL VIOLATIONS 1. FCRA Violations 15 U.S.C. 1681 et seq.

1681s-2 ( b ) : Furnishers must report accurate information. These accounts are fraudulent. 
1681i : I am requesting a full reinvestigation. Failure to investigate within XXXX  days is a violation. 
1681c-2 ( Section 605B ) : You are required to block identity theft-related information within XXXX business days upon receiving proper documentation ( which Ive included ). 
1681b ( f ) : Obtaining a credit report without a permissible purpose is unlawful. 

2. FDCPA Violations 15 U.S.C. 1692 et seq. 
1692c ( c ) : Debt collectors must cease collection upon written notice of identity theft. 
1692e : False representation of debt is a deceptive and unlawful practice. 

3. FERPA Violation 20 U.S.C. 1232g If my Department of Education records or FSA information were accessed or disclosed without my consent, this constitutes a federal education privacy breach. Any unauthorized sharing with third parties, especially any tech or corporate entities, is a violation of FERPA and may warrant federal action. 

4. Doctrine of Estoppel by Silence Engelhardt v. Gravens, 281 S.W. 715 ( Mo. 1926 ) Your failure to substantiate this alleged debt or correct this misinformation implies the nonexistence of the debt, and continued reporting constitutes willful negligence. 

III. FORMAL DEMANDS 1. Immediate removal and permanent deletion of : XXXX fraudulent XXXX XXXX XXXX accounts. 
Hard inquiries from XXXX XXXX XXXX  XXXX on TransUnion and Equifax. 
2. Written confirmation that these items have been removed and will not reappear. 
3. Monetary compensation for willful violations, damages to my credit reputation, emotional distress, and time lost, pursuant to : 15 U.S.C. 1681n ( willful noncompliance : actual and punitive damages ), 15 U.S.C. 1681o ( negligent noncompliance : actual damages ), Up to {$1000.00} per violation under FDCPA 1692k. 

IV. ENCLOSURES FTC Identity Theft Report # XXXX ( signed and sworn ) Credit report screenshots with unauthorized XXXX XXXX XXXX  inquiries List of fraudulent mobile accounts and dates Failure to comply with this formal request within XXXX calendar days will result in legal escalation, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Ohio Attorney Generals Office, and potentially a civil claim under the FCRA and FDCPA. 

Respectfully, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation