Consumer complaint received 2025-03-30 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, My information may have been impacted by the Equifax, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 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 multiple accounts and hard inquiries that have appeared on my credit report without my knowledge or consent. I have been a victim of identity theft, as documented in my Federal Trade Commission ( FTC ) reports ( Report Numbers : XXXX and XXXX ), and I suspect that the following activity is the result of unauthorized access possibly linked to the Equifax, TransUnion, Experian, and XXXX XXXX breaches. 



Based on my credit reports dated XX/XX/XXXX, the following inquiries are unauthorized and must be investigated or removed : I. Accounts and Inquiries to Dispute Fraudulent Collection Accounts ( Identity Theft ) As reported in the FTC Identity Theft Reports ( # XXXX and # XXXX ), the following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$780.00} XXXX. XXXX ( Department of Education ) Type : Private Student Loan Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$36000.00} XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX  Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$950.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$3100.00} XXXX. Hard Inquiries to Dispute XXXX  XX/XX/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 XXXXXXXX. Legal Grounds for Dispute Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681s-2 : You are required to investigate and validate any disputed information. Please provide : 1. Itemized debt information, 2. Signed agreements or applications, 3. Legal right to collect this debt.


15 U.S.C. 1692c ( c ) : I formally request you cease all collection-related communications unless validation is provided.
15 U.S.C. 605B : As these inquiries and accounts were made as a result of identity theft, they must be blocked or deleted within four ( 4 ) business days upon receipt of this notice and proof of the crime.

15 U.S.C. 1681e ( b ) : Reporting inconsistent or inaccurate data across agencies is a violation of your duty to maintain accuracy. 



III. Attached Evidence FTC Identity Theft Reports ( # XXXX & # XXXX ) Screenshots of credit report showing disputed inquiries Personal identification and proof of address ( if mailing ) IV. Demand for Action You are required by law to : 1. Block or remove all unauthorized inquiries and accounts.

2. Provide written confirmation of the completed investigation.

3. Update my credit files and send corrected versions to all who received the inaccurate reports. 

If no action is taken within 15 days ( or 4 days for identity theft blocking ), I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Ohio Attorney General, and pursue legal remedies. 



Sincerely, XXXX XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief