Consumer complaint received 2025-11-16 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:
To : Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Emails : XXXXXXXX XXXX XXXXXXXX FTC Identity Theft Report Numbers : XXXX & XXXX Date : [ Insert Todays Date ] RE : FORMAL DISPUTE, FRAUD BLOCK REQUEST & CEASE-AND-DESIST DEMAND ( FCRA 605B, 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am submitting this letter as an official identity theft dispute, pursuant to my rights under FCRA 605B , 609 ( e ), 611, and all relevant consumer protection statutes. 
I am a verified victim of identity theft, and I have included my FTC Identity Theft Reports and my signed statement confirming this. 

Under FCRA 605B, you are federally required to BLOCK all fraudulent information within 4 business days after receiving this letter and accompanying identity theft report.

This letter also serves as a cease-and-desist demand to any data furnishers or collection agencies reporting fraudulent accounts under 15 U.S.C. 1692c ( c ) ( FDCPA ).

You must stop all collection, reporting, and communication regarding the fraudulent accounts listed. 



I. ACCOUNTS THAT MUST BE BLOCKED AND DELETED IMMEDIATELY ( These accounts appear on my credit report but were opened by an identity thief. Verified via FTC ID Theft Reports. ) A. Fraudulent Loans Depted XXXX ( Federal Student Loans ) From FTC Report XXXX : XXXX Fraud began XX/XX/XXXX, XXXX  XX/XX/XXXX, amount {$1800.00} XXXX XXXX began XX/XX/XXXX, amount {$1800.00} XXXX XXXX began XX/XX/XXXX, amount {$1000.00} XXXX Fraudulent info on credit report {$3200.00} XXXX Fraudulent info on credit report {$3200.00} These are not my loans and must be removed and permanently blocked. 



B. Fraudulent Collection Accounts From FTC Report XXXX : XXXX XXXX XXXX Opened XX/XX/XXXX, {$280.00} XXXX XXXX XXXX Opened XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX, {$1300.00} XXXX XXXX Opened XX/XX/XXXX, {$580.00} These are fraudulent accounts created without my knowledge or consent. 



XXXX Fraudulent Credit Cards From FTC Report XXXX : XXXX XXXX Fraud began XX/XX/XXXX, {$1000.00} XXXXXXXX XXXX XXXX Fraud began XX/XX/XXXX, {$1100.00} XXXX XXXX  Fraud began XX/XX/XXXX, {$1700.00} XXXX Fraud began XX/XX/XXXX, {$8600.00} XXXX Fraud began XX/XX/XXXX, {$13000.00} All above are fraudulent and must be blocked per FCRA 605B. 



II. MANDATORY ACTION REQUIRED UNDER FEDERAL LAW 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) You are required to BLOCK fraudulent information within 4 business days after receiving an identity theft report.

2. FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable reinvestigation.
Verified is not acceptable without : the original application, the signed contract, the original creditor records, IP addresses used, proof of delivery, and authentication logs.

3. FCRA 609 ( e ) You must provide the documented records of fraudulent accountsincluding all applications, transactional logs, and signatures.

4. FDCPA 809 & 807 Debt collectors reporting fraudulent accounts must cease reporting and cease collection immediately.

5. CEASE AND DESIST ( 15 U.S.C. 1692c ( c ) ) All furnishers/collectors must stop contacting me.

6. UCC 1-308 / UCC 3-501 I reserve all rights and demand strict proof of any alleged contract. 
No contract = no debt = no permissible purpose to report. 



III. REQUIRED RESPONSE FROM THE CREDIT BUREAU Within 30 days, provide : 1. Written confirmation that these accounts have been deleted and permanently blocked.
2. A fresh updated copy of my credit report.

3. Names, addresses, and phone numbers of all furnishers contacted. 

Failure to comply may result in : CFPB complaints FTC complaints Attorney General escalation Civil claims under FCRA for statutory damages and attorney fees IV. ENCLOSURES FTC Identity Theft Report # XXXX ( fraudulent XXXX loans ) FTC Identity Theft Report # XXXX ( fraudulent collections + credit cards ) Copy of government ID Proof of address Any supporting documents V. CONCLUSION All listed accounts are fraudulent. 
Under federal law, block and delete them immediately and send updated reports confirming the corrections. 

Thank you for your prompt handling of this matter. 

Respectfully, XXXX XXXX XXXX ( Signature UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief