Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal dispute and demand for immediate deletion of the following accounts and hard inquiries from my credit report, which are all tied to identity theft and multiple data breaches ( XXXX, XXXX XXXX XXXX XXXX, XXXX ) that have directly compromised my information. 

Accounts to Be Deleted Due to Identity Theft & Breach Exposure : XXXX Credit XXXX Co XXXX Auto Loan ) Opened fraudulently in XXXX, balance over {$17000.00}. 
FCRA 602 ( a ) Reporting unverified and false information violates my right to accurate data.

FCRA 611 & 623 ( b ) You are required to investigate and delete unverifiable information within 30 days.

FCRA 605B This was reported as a result of identity theft and must be deleted upon my formal request and proof.

UCC-1-308 I never authorized the purchase of this vehicle ; no contract was signed by me. Reporting this is unlawful. 
XXXX. XXXX ( XXXX XXXX ) Reported balance {$17000.00}, opened XX/XX/XXXX. 
Consistent history of missed payments is damaging and false. 
XXXX confirmed in my FTC Identity Theft Report. 
Delete under FCRA 605B, 611, 609 ( a ) ( 1 ) * * provide method of verification or remove. 
XXXX. XXXX ( XXXX XXXX ) Account closed in XXXX with misreported delinquencies. 
43 % on-time payment rate is inaccurate ; account is part of identity theft report. 
Falsely reporting missed payments is a violation of FCRA 602 ( a ).

Delete under FCRA 611 & 605B. 
XXXX. XXXX XXXX XXXX ( XXXX ) {$860.00} placed for collection in XXXX. 
Never authorized or validatedoriginates from fraud. 
Delete under FCRA 605B and 15 U.S. Code 1692g ( no proper validation of debt ). 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized and are linked to identity theft. 
Under FCRA 604, a consumer report can not be accessed without explicit written authorization. 
Please delete these inquiries immediately. 



Legal Rights Invoked : FCRA 602 ( a ) Right to accurate and verifiable credit information FCRA 609 ( a ) ( 1 ) Right to request method of verification FCRA 611 Right to dispute any incomplete/inaccurate info FCRA 623 ( b ) Furnishers must investigate and correct/delete within 30 days FCRA 605B Right to block information resulting from identity theft UCC 1-308 I do not consent to any debt or contract not signed or acknowledged by me 15 U.S.C. 1692g Right to dispute and request validation of debt I am attaching my official FTC Identity Theft Report ( No. XXXX ) as supporting documentation. These accounts and inquiries are fraudulent and must be permanently removed. Failure to comply will result in formal complaints with the CFPB and possible legal action. 

Please respond in writing within 30 days confirming the deletion of all listed items. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation