Consumer complaint received 2025-04-29 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 XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute and Request for Debt Validation Violation of Title 15 U.S.C. 1681s-2, 1692c ( c ), and 605B I am writing to formally dispute the accuracy and validity of multiple entries reported on my credit file. My personal information was compromised due to data breaches, and I have been a victim of identity theft, as detailed in my official Identity Theft Report submitted to the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

I. Identity Theft and Fraudulent Activity The following fraudulent accounts and inquiries have been reported : Fraudulent Accounts from FTC Identity Theft Report : XXXX XXXX XXXX Fraudulent Personal Loan Opened XX/XX/XXXX {$81.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$8000.00} XXXX Fraudulent Bank Debits Beginning XX/XX/XXXX {$480.00} The Company Unspecified Auto Loan or Bank Withdrawals Unauthorized Hard Inquiries ( as shown on my credit report dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries and accounts were made without my knowledge or consent and are a direct result of identity theft. 

II. Request for Validation and Deletion Under Federal Law Pursuant to : 15 U.S.C. 1681s-2, I request full validation of any alleged debt or account attributed to me.

15 U.S.C. 1692c ( c ), I formally request that all further communication regarding these accounts cease immediately.

15 U.S.C. 605B, I demand that all fraudulent accounts and inquiries be blocked from my credit reports within four ( 4 ) business days.

Please provide the following for any alleged valid accounts or inquiries : 1. Proof that I authorized or initiated the debt or inquiry.

2. Signed documentation showing my express consent.

3. Proof of your legal authority to report or collect the debt.

Failure to provide this documentation within 15 days, as required under [ applicable state law ], will result in formal complaints being filed with the CFPB, FTC, and Ohio Attorney Generals Office.

III. Final Notice and Legal Warning In accordance with 15 U.S.C. 1681e ( b ), credit reporting agencies are required to report only accurate information. Your continued reporting of inaccurate or unverified information may result in a lawsuit for statutory and punitive damages.

I expect all fraudulent accounts and inquiries to be deleted or blocked from my credit profile and for written confirmation to be sent to me once the matter is resolved. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation