Consumer complaint received 2025-10-25 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 Email : XXXX Date : XX/XX/XXXX To : [ XXXX  XXXX Equifax / XXXX  ] [ Credit Bureau Address ] Subject : Formal Dispute and Demand for Immediate Deletion of Fraudulent Student Loan Accounts Dear Compliance Department, I am writing to formally dispute multiple fraudulent student loan accounts appearing on my credit report. I am a victim of identity theft, as documented in FTC Identity Theft Report # XXXX ( attached ). These accounts were opened without my knowledge or consent and do not belong to me. 

Disputed Student Loan Accounts : Creditor / Organization Account Opened Reported Balance Notes XXXX  ( Federal Student Loan ) XX/XX/XXXX {$6400.00} Fraudulent / Identity theft XXXX  ( Federal Student Loan ) XX/XX/XXXX {$4600.00} Fraudulent / Identity theft XXXX  ( Federal Student Loan ) XX/XX/XXXX {$4100.00} Fraudulent / Identity theft XXXX  ( Federal Student Loan ) XX/XX/XXXX {$3600.00} Fraudulent / Identity theft XXXX  ( Federal Student Loan ) XX/XX/XXXX {$3500.00} Fraudulent / Identity theft XXXX XXXX XXXX XX/XX/XXXX {$8400.00} Placed for collection ; original creditor : XXXX  ; disputed by consumer XXXX XXXX XX/XX/XXXX N/A Fraudulent hard inquiry XXXX ( Finance ) XX/XX/XXXX Legal Basis for Dispute and Demand for Deletion Pursuant to federal law and UCC provisions, I formally dispute these accounts and demand immediate deletion from my credit file : 1.Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681i ( a ) ( 1 ) : Right to dispute inaccurate or fraudulent information ; bureaus must investigate within 30 days. 
1681c-2 ( a ) ( 1 ) : Special protections for identity theft ; allows deletion of accounts supported by an FTC Identity Theft Report.

1681e ( b ) : Credit bureaus must maintain procedures ensuring maximum accuracy ; failure to delete unverifiable student loans violates this standard. 
1681s-2 ( b ) : Obliges furnishers like XXXX to investigate disputes and correct inaccuracies. 
2.Uniform Commercial Code ( UCC ) UCC 1-308 / 1-308 : Reservation of rights without prejudice ; prevents assumptions that an unverified debt is valid.

UCC 3-305 / 3-306 : Protects against unauthorized or forged instruments, including fraudulent student loan agreements. 
UCC 9-406 : Protects against defective or erroneous financing statements.

UCC 1-103 ( a ) : Common law supplements UCC provisions to protect against invalid or unenforceable obligations.

3.FREPA ( Federal/State Fair Reporting for Student Loans ) Guarantees that student loans must be accurate, verifiable, and legally owed. 
Any reporting of fraudulent student loans is a direct violation and must be deleted immediately. 



Demand I hereby demand that : 1.All student loan accounts listed above be immediately deleted from my credit report unless verified with competent evidence.

2.All fraudulent hard inquiries be removed.

3.A written confirmation of deletion be provided to me.

Failure to comply constitutes violations of FCRA, FREPA, and applicable UCC provisions, and may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action. 

I also formally invoke my rights under UCC 1-308 / 1-308, reserving all rights without prejudice. As established under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any failure to provide verification allows me to presume these debts do not exist. 



Enclosures : FTC Identity Theft Report # XXXX Government-issued ID Documentation of fraudulent student loan accounts I expect resolution within the 30-day investigation period mandated by FCRA and FREPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief