Consumer complaint received 2025-09-24 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 XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX Experian XXXX XXXX TransUnion LLC Also sent to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and any other furnisher, collector, or creditor reporting the items below. 

Re : FTC Identity Theft Report # XXXX Immediate deletion demanded within XXXX ( XXXX ) days Subject : Fraudulent accounts and unauthorized inquiries placed in my name NO validation ; demand for deletion pursuant to FCRA/UCC and other consumer protections To whom it may concern : I am writing as the victim of identity theft. I did not open, authorize, or incur the accounts and inquiries listed below. These fraudulent tradelines and hard inquiries are materially damaging my credit, impairing my ability to obtain credit, housing, employment and otherwise ruining my life. I have filed an official FTC Identity Theft Report ( FTC Report No. XXXX ). See attached. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act, and other applicable federal and state laws ( including my reservation of rights under UCC-1-308 / without prejudice ), you are required to investigate and remove any information that can not be validated as mine. I hereby dispute the following items as unauthorized and fraudulent, and demand their immediate deletion from my consumer file and all derivative reports and products : Fraudulent accounts/ furnisher entries ( as reported in my FTC Identity Theft Report ) : XXXX XXXX Fraud began XX/XX/XXXX {$220.00}. 
XXXX XXXX XXXX Fraud began XX/XX/XXXX {$700.00}. 
XXXX XXXX Fraud began XX/XX/XXXX {$1600.00}. 
XXXX / XXXX Fraud began XX/XX/XXXX {$610.00}. 
XXXX Fraud began XX/XX/XXXX {$570.00}. 
XXXX XXXX Fraud began XX/XX/XXXX {$0.00}. 
XXXX Fraud began XX/XX/XXXX {$630.00}. 

Unauthorized hard inquiries ( as reported ) : XXXX  XXXX XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 

Relevant facts : My personal information may have been exposed in data breaches including TransUnion, Equifax, Experian, XXXX and XXXX, which likely enabled these fraudulent activities. The attached identity-theft report documents the unauthorized accounts and inquiries. 

My demand : Because none of the above items were authorized by me and you can not present verification that meets FCRA standards ( i.e., the underlying contract, signed application, chain of assignment, proof of my signature, or any lawful validation of debt ), you must : XXXX. Immediately delete ( remove ) each fraudulent tradeline, collection, and unauthorized hard inquiry listed above from my consumer file and all derivative databases, products and resellers within XXXX ( XXXX ) calendar days of receipt of this dispute. 
XXXX. Provide written confirmation, delivered to my address and email above, that each item has been removed and that my file has been corrected. 
XXXX. Provide copies of the complete validation/verification records you relied upon ( if any ) including any signed application, IP logs, device/location data, chain of title, assignment or sale documents, and any investigation notes if you claim the items are valid. If you can not produce admissible validation, you must delete the items. 
XXXX. Cease reporting these fraudulent items to any third party, reseller, or affiliate and notify any third parties to which you furnished the information that the items were fraudulent and have been deleted. 
XXXX. Provide a free, updated copy of my credit report showing the removals and a written statement that you have corrected any derogatory remarks caused by these fraudulent items. 

Legal basis & reservation of rights : Under 15 U.S.C. 1681i and 1681s-2, consumer reporting agencies and furnishers must conduct a reasonable investigation and correct incomplete or inaccurate information. Failure to promptly remove unverifiable fraudulent information violates federal law and may expose you to damages, statutory penalties, attorney fees, and other relief. I also reserve all rights under the UCC ( including UCC-1-308 ), state consumer protection statutes, and other applicable law, including pursuing arbitration and civil remedies for willful and negligent violations of the FCRA and related harms. If you do not comply within 4 days, I will pursue all available remedies, including filing formal complaints with the CFPB, state Attorney General, additional law enforcement referrals, and civil action seeking statutory and actual damages, injunctive relief, costs, and attorneys fees. 

Attachments ( provided ) : FTC Identity Theft Report XXXX. XXXX ( XXXX XXXX ) pages showing the fraudulent accounts and inquiries. 

How to respond : Send your written confirmation of deletion or provide full validation records to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX North Olmsted, OH XXXX Email : XXXX Phone : XXXX I declare under penalty of perjury that the information in this dispute is true and correct to the best of my knowledge. Please treat this as a formal identity-theft dispute and an urgent demand for correction. I expect your written response confirming complete deletion of the fraudulent items within XXXX ( XXXX ) calendar days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX FTC ID Theft Report # XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation