Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX [ XXXX ] Date : XX/XX/XXXX To Whom It May Concern, RE : Identity Theft Dispute Immediate Removal of Fraudulent Accounts Pursuant to 15 U.S.C. XXXX and 15 U.S.C. XXXX ( a ) ( XXXX ) This letter is a formal dispute and demand for the immediate deletion of all negative accounts listed below, which were fraudulently opened in my name without my authorization, consent, or written signature. I am a victim of identity theft. These accounts are inaccurate and unverifiable, and as such, their continued reporting is unlawful under federal law. 



According to 15 U.S.C. XXXX, I have the right to block information resulting from identity theft. Furthermore, 15 U.S.C. XXXX ( a ) ( XXXX ) requires furnishers of information to correct and delete any data that is inaccurate or can not be verified. 



The following accounts must be permanently deleted from my credit file : XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK Opened XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX BANK Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX BANK XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX I demand these accounts be removed from all credit reporting agencies ( Experian, Equifax, and TransUnion ) within XXXX ( XXXX ) calendar days from the date of this letter. If any of these accounts continue to be reported after this period, I will pursue legal action for {$1000.00} per day per account as permitted under the Fair Credit Reporting Act for willful and negligent non-compliance. 



If you continue to claim these accounts are valid, you must provide the original signed contracts or applications bearing my signature. Electronic or verbal authorization is insufficient and will not be accepted. If no such signed documentation exists, you are required to immediately delete these items. 

* * Experian XXXX Department * * XXXX XXXX XXXXXXXX XXXX, TX XXXX * * Subject : Formal Dispute & Demand for Removal of Unauthorized Inquiries and Fraudulent Items * * To Whom It May Concern, I am writing to formally dispute * * unauthorized hard inquiries and fraudulent information * * on my credit report ( attached ), which I believe resulted from the * * XXXX data breach * *. Under the * * Fair Credit Reporting Act ( FCRA ) XXXX * *, I demand immediate removal of these items. 

# # # * * Disputed Items : * * XXXX. * * Unauthorized Inquiries * * ( Linked to XXXX Breach ) : - * * XXXX XXXX * * ( XX/XX/XXXX ) - * * XXXXXXXX XXXX XXXX * * ( Multiple dates, including XX/XX/XXXX, XX/XX/XXXX ) - * * XXXX XXXX XXXX XXXX  * XXXX XX/XX/XXXX ) - * * XXXX XXXX XXXX * * ( XX/XX/XXXX ) * I did not authorize these inquiries. They likely stem from identity theft following the XXXX breach. * XXXX. * * Fraudulent Accounts/Public Records * * : - Any accounts, collections, or public records tied to the above entities must be * * deleted * *, as they are fraudulent. 

# # # * * Legal Basis for Dispute * * : - * * FCRA XXXX * * : Requires credit bureaus to block and remove fraudulent information within XXXX business days of receiving proof of identity theft. 
- * * FCRA XXXX * * : You must investigate disputed items within XXXX days or delete them if unverifiable. 
- * * XXXX XXXX * * : My personal data was exposed, making me a victim of identity theft. 


Additionally, I have already placed a fraud alert on my file and am preparing reports for the FTC and state authorities. 



Sincerely, XXXX XXXX DOB : [ XX/XX/XXXX ] SSN : XXXX

Company response to consumer: Closed with non-monetary relief