Consumer complaint received 2025-07-02 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 Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TO : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Identity Theft Dispute, Cease-and-Desist, and Request for Immediate Deletion FCRA 605B, FDCPA, and UCC-1-308 To Whom It May Concern, I am writing to you as a victim of identity theft, which has resulted in numerous fraudulent accounts and unauthorized hard inquiries appearing on my credit reports. Attached is my FTC Identity Theft Report ( # XXXX ) signed under penalty of perjury, which confirms the accounts and inquiries in question. 

The following accounts and inquiries were opened or initiated without my knowledge, authorization, or consent : Fraudulent Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) Fraudulent Accounts : XXXX XXXX ( XXXX & XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  Opened fraudulently, also referenced in inquiry XXXX XXXX XXXX as a collection based on fraudulent activity These entries are a direct result of identity theft linked to the Equifax, TransUnion, Experian, XXXX, and XXXX XXXX breaches. I never applied for or opened these accounts, and I never authorized these companies to pull my credit. These actions have caused unjustified harm to my financial reputation. 
Legal Violations and Demands for Immediate Action : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Under this law, credit reporting agencies must block information that results from identity theft within 4 business days of receiving : A police report or FTC identity theft affidavit Proper identification A written request for blocking the fraudulent information You now have everything required under law to block and DELETE the fraudulent accounts and inquiries listed above.

2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692e, 1692g ) : Reporting and attempting to collect on fraudulent debt constit
utes a violation of the FDCPA. Any continued reporting or communication regarding these accounts will be considered willful noncompliance and a violation of federal law.

3. Cease-and-Desist Notification : I hereby formally request that you cease and desist from reporting, communicating, or validating any fraudulent accounts or inquiries. Continued reporting after receipt of this letter is considered intentional defamation, emotional distress, and consumer rights abuse.

4. UCC 1-308 Reservation of Rights Without Prejudice : I reserve all rights without prejudice under UCC 1-308 . No contract or agreement shall be assumed by your continued reporting of fraudulent and disputed data. 
5. Discrepancies Between Credit Reports : XXXX XXXX appears on Equifax but not XXXX. 
XXXX XXXX inquiry and account appear on TransUnion, also mentioned in the identity theft report. 
All auto finance inquiries ( XXXX, XXXX, XXXX ) are clustered on one bureau, not evenly reported. 
These inconsistencies further support the claim of identity theft and negligent reporting. 



You Are Legally Required To : Block and delete the above-mentioned accounts and inquiries from my credit reports under 15 U.S.C. 1681c-2.

Send me written confirmation that each item has been deleted.

Refrain from re-inserting any deleted data unless full compliance with 15 U.S.C. 1681a ( 5 ) ( B ) ( ii ) is met.

Investigate and hold the furnishers accountable under 15 U.S.C. 1681s-2 ( b ).

Failure to comply with these demands within 15 days will result in a formal complaint with the CFPB, FTC, and Ohio Attorney General, and legal action for statutory and punitive damages may follow. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation