Consumer complaint received 2025-11-01 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Affidavit and Demand for Immediate Deletion of Fraudulent Accounts and Hard Inquiries To Whom It May Concern, This letter serves as my formal Identity Theft Affidavit and dispute notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), UCC-1-308, and HIPAA privacy laws. 
I, XXXX XXXX, am a verified victim of identity theft per FTC Report XXXX XXXX, filed on XX/XX/XXXX. The fraudulent activity discovered in XX/XX/XXXX includes unauthorized hard inquiries and a fraudulent medical collection account. 
All of the following inquiries and accounts must be immediately deleted from my credit reports as they are the result of identity theft and unauthorized use of my personal information obtained from national data breaches, including Equifax, TransUnion, Experian, XXXX, and XXXX. 
XXXX. Fraudulent Hard Inquiries ( Unauthorized Credit Pulls ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were conducted without my consent in violation of 15 U.S.C. 1681b ( f ). I request their immediate removal under 1681c-2 ( a ). 
XXXX. Fraudulent Medical Collection Account Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Amount : {$650.00} This is an unauthorized medical debt. Reporting or sharing this information violates HIPAA ( 45 C.F.R.

164.502 & 164.508 ). I demand its immediate removal under FCRA 605A & 609 ( e ). 
XXXX. Legal and Data Breach Basis for Removal My identity was compromised in major data breaches ( Equifax, TransUnion, Experian, XXXX, XXXX ) per my FTC Identity Theft Report. These breaches led to unauthorized activity now harming my credit. 
Under FCRA 605B, you must block and remove fraudulent information upon proof. Under 611 ( a ), reinvestigate or delete it within 30 days. I reserve all rights under UCC-1-308. 
XXXX. Requested Actions XXXX. Delete all fraudulent inquiries. 
XXXX. Remove the XXXX XXXX XXXX collection. 
XXXX. Provide written confirmation within XXXX business days. 
XXXX. Cease and desist from re-reporting these items without verified authorization. 
Attached are my FTC Identity Theft Report ( XXXX XXXXXXXX ), ID, proof of address, and supporting screenshots. 
Failure to comply will result in formal complaints to the CFPB, FTC, and civil action under 15 U.S.C.

1681n and 1681o. 
Respectfully, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation