Consumer complaint received 2025-07-10 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, OH XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : Formal Dispute of Fraudulent Accounts Due to Identity Theft Request for Immediate Deletion Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute several fraudulent accounts that have appeared on my credit reports with your bureau. I have been a verified victim of identity theft, as reported in my official FTC Identity Theft Report ( Report # XXXX, enclosed ). These unauthorized accounts are a direct result of sensitive personal information being compromised in the XXXX and XXXX  data breaches, and they must be immediately removed under federal law. 

Accounts in Dispute Due to Identity Theft : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$11000.00} Status : Repossession / 90-119 Days Late ( Fraudulent ) 2. XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1800.00} Status : Placed for Collection ( Fraudulent ) XXXX. XXXX XXXX XXXX ( Medical ) Opened : XX/XX/XXXX Balance : {$850.00} Status : Medical Collection ( Fraudulent ) These accounts were fraudulently opened without my knowledge, consent, or authorization and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Legal Grounds for Deletion : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : This provision requires the deletion or blocking of all information resulting from identity theft once a valid identity theft report has been submitted. My FTC Identity Theft Report is enclosed.

2. FDCPA Violations ( 15 U.S.C. 1692g ) : No proper validation or verification was conducted prior to collection activity or credit reporting. Continuing to report or collect on these fraudulent debts constitutes deceptive and unlawful behavior.

3. UCC 1-308 Reservation of Rights : I reserve all rights without prejudice and do not waive any legal defenses, claims, or actions arising from these violations.

Formal Demands : Immediately delete or permanently block all derogatory and fraudulent accounts listed above. 
Cease and desist from any further reporting or furnishing of these accounts. 
Provide me with an updated credit report reflecting these corrections. 
Investigate the source and chain of data breaches that allowed these fraudulent accounts to be created using my identity. 
If these inaccuracies are not resolved within 30 days as required under the FCRA ( 15 U.S.C. 1681i ), I will pursue legal action and seek monetary damages under 15 U.S.C. 1681n and 1681o.

This letter and attached identity theft documentation serve as formal notice. You are now on legal notice of the false and inaccurate nature of these accounts. I demand full compliance under all relevant U.S. consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief