Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft Dispute FCRA 605B Blocking Request FCRA 611 Investigation FCRA 609 Document Request XXXX XXXX XXXX XXXX Deletion Demand Consumer : XXXX XXXX XXXX Dear Sir XXXX Madam, This letter serves as my formal identity theft dispute under the Fair Credit Reporting Act. The accounts, inquiries, and personal information listed below were not opened or authorized by me and are the direct result of identity theft. 

As required by FCRA 605B, I am providing the following official documentation : FTC Identity Theft Report XXXX XXXXXXXX ( attached ) My sworn personal statement under penalty of perjury Police report Proof of identity Proof of address The FTC reports submitted and signed contain detailed listings of every fraudulent account, inquiry, and personal identifier. 


You are required to block and delete this information within XXXX business days under FCRA 605B. 



I. FORMAL IDENTITY THEFT DISPUTE I am disputing the following information because it was created through identity theft and is fraudulent, unauthorized, and harmful. 

The FTC reports list the following : Fraudulent federal student loans Fraudulent personal/business loan Fraudulent credit inquiries Fraudulent addresses All listed under sworn statement and verified identity. 




XXXX. XXXX FCRA 605B BLOCKING DEMAND Under federal law, Equifax must block all identity-theft-related information within XXXX business days after receiving an identity theft report and proof of identity. 

Therefore, you must : XXXX. Block and permanently delete all fraudulent accounts XXXX. Delete all fraudulent inquiries XXXX. Delete all fraudulent addresses and personal data XXXX. Provide me with a corrected Equifax report XXXX. Provide written confirmation of deletion Failure to comply triggers civil liability under : FCRA 616 Willful noncompliance FCRA 617 Negligent noncompliance III. SUBPOENA DUCES TECUM In lieu of appearance, you must provide : All applications All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System notes Verification documents Any document used to report or maintain the disputed information If Equifax can not produce these documents, the items must be deleted immediately. 



IV. FCRA 609 REQUEST FULL FILE DISCLOSURE Under 15 U.S.C. 1681g, I request : All records on file with my name/SSN All communications from furnishers Inquiry source data Fraud indicators All internal investigation logs All documents used to verify accuracy Historical records of addresses, employment, and account linkage V. ITEMS TO BE DELETED ( FTC-VERIFIED FRAUD ) A. Fraudulent Federal Student Loans Listed in FTC Identity Theft Reports : {$3100.00} XXXX  {$2500.00} XXXX  {$5600.00} XXXX  {$870.00} XXXX  {$3200.00} XXXX {$4000.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX  XXXX {$4500.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXXXXXX None of these federal or private student loans belong to me. 
I never applied for or authorized any such accounts. 



B. Fraudulent Personal / Business Loan From FTC Report : XXXX XXXX XXXX {$220.00} This account is fraudulent and must be deleted. 



XXXX Fraudulent Hard Inquiries Listed in all FTC reports XXXX XXXXXXXX XXXX Multiple inquiries These were not authorized by me and must be deleted. 



XXXX Fraudulent Addresses All FTC filings confirm the following addresses are linked to identity theft and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me. 



VI. REQUIRED ACTION BY EQUIFAX You must : Block/delete all fraudulent items within XXXX business days Issue a corrected consumer report Provide written confirmation Provide all subpoenaed and XXXX documents XXXX. NOTICE OF ACTION IF YOU FAIL TO COMPLY If Equifax fails to comply with FCRA, I will pursue : CFPB complaint FTC enforcement complaint Attorney General complaint Civil litigation seeking : Statutory damages Actual damages Punitive damages Attorney fees Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief