Consumer complaint received 2025-07-28 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:
XX/XX/scrub> 2025 To : Experian, Equifax, TransUnion CC : Consumer Financial Protection Bureau ( CFPB ) RE : Formal Dispute Under Fair Credit Reporting Act - Identity Theft - Demand for Permanent Deletion Dear Credit Reporting Agencies, I am writing to formally dispute fraudulent and inaccurate information appearing on my credit reports maintained by your organizations. This dispute is being filed in conjunction with my Federal Trade Commission ( FTC ) Identity Theft Affidavit and is supported by substantial evidence of identity theft.

* * DISPUTED ACCOUNTS REQUIRING IMMEDIATE DELETION : * * 1. XXXX XXXX - Balance : {$3700.00} 1. XXXX XXXX - Balance : {$0.00} 1. XXXX XXXX XXXX Balance : {$0.00} 1. XXXX XXXX - Balance : {$0.00} * * LEGAL BASIS FOR DISPUTE : * * Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my fundamental consumer rights to dispute inaccurate and unverifiable information. Specifically : * * FCRA 611 ( a ) ( 1 ) ( A ) * * requires you to conduct a reasonable investigation of disputed information within 30 days of receipt of this dispute.

* * FCRA 611 ( a ) ( 5 ) ( A ) * * mandates permanent deletion of information that can not be verified as accurate and complete.

* * FCRA 605B * * provides enhanced protections for identity theft victims, requiring you to block reporting of fraudulent information upon receipt of proper identity theft documentation.

* * FCRA 616 * * establishes your duty to follow reasonable procedures to ensure maximum possible accuracy of consumer credit information.

* * IDENTITY THEFT DOCUMENTATION : * * This dispute is supported by my completed FTC Identity Theft Affidavit, which serves as official documentation of identity theft under federal law. The disputed accounts listed above are direct results of this criminal activity and do not represent legitimate credit obligations.

* * DEMAND FOR CORRECTIVE ACTION : * * I hereby demand that you : 1. * * IMMEDIATELY INVESTIGATE * * each disputed account within the 30-day timeframe required by federal law 1. * * PERMANENTLY DELETE * * all disputed accounts from my credit files maintained by Experian, Equifax, and TransUnion 1. * * PROVIDE WRITTEN CONFIRMATION * * of the deletions within 30 days 1. * * FURNISH UPDATED CREDIT REPORTS * * reflecting the removal of all disputed information 1. * * NOTIFY ALL PARTIES * * who received my credit report within the past six months ( two years for employment purposes ) of these corrections * * COMPLIANCE WITH FEDERAL LAW : * * Failure to properly investigate and remove these fraudulent accounts would constitute willful non-compliance with the FCRA and may result in statutory damages of {$100.00} to {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees under FCRA 616 and 617.

I am also copying the Consumer Financial Protection Bureau ( CFPB ) on this correspondence to ensure proper oversight of your compliance with federal consumer protection laws.

* * CONTACT INFORMATION : * * Please direct all correspondence regarding this dispute to the address below. I expect your full cooperation and immediate compliance with federal law.

This dispute is made in good faith and is supported by substantial evidence. I look forward to your prompt response and the permanent removal of these fraudulent accounts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX [ Last 4 digits of SSN : XXXXXXXX XXXX XXXX Enclosures : * * - FTC Identity Theft Affidavit - Supporting Documentation - Copy of Drivers License/ID * * CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX

Company response to consumer: Closed with non-monetary relief