Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Heres a formal dispute letter you can send to Equifax and TransUnion, addressing the unauthorized debt reporting by XXXX XXXX XXXX. The letter includes references to key laws and regulations that protect your rights under federal law. 


To : Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX To : TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute of Fraudulent Account Reported by XXXX XXXX XXXX Dear Credit Reporting Agency, I am writing to formally dispute inaccurate and fraudulent information that is currently being reported on my credit file by XXXX XXXX XXXX, referencing an alleged Peoples Gas account. I have never had a utility account with XXXX XXXX, nor have I ever resided at the address associated with this account. 



This debt is not mine, and I have no contractual relationship with XXXX XXXX XXXX or XXXX XXXX. This account is erroneous, fraudulent, and must be removed from my credit report immediately. 



I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that only accurate and verifiable information be reported on consumer credit reports. According to the FCRA : Under 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 

If the information can not be verified, it must be deleted from the consumers credit file. 



Additionally, this account may also be in violation of : Regulation F, issued under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which requires debt collectors to provide proper validation of debt and prohibits the collection of any debt not owed.

FDCPA 809 ( a ) ( 15 U.S.C. 1692g ), which requires debt collectors to cease collection efforts if a debt is disputed within 30 days, unless the debt is validated.

FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 



XXXX XXXX XXXX has not validated this debt, and I have provided no acknowledgment or agreement related to this account. By continuing to report this inaccurate and unverified account, both XXXX XXXX XXXX and the credit reporting agencies XXXX be in violation of federal law. 



As part of this dispute, I am including the following documentation : A copy of my FTC Identity Theft Report A copy of my drivers license A recent official mail verifying my current address I am requesting the immediate removal of this fraudulent account from my credit report with Equifax, TransUnion, and Experian ( as it appears across all three ). Please provide written confirmation of the results of your investigation as required by law. 



If this inaccurate information is not removed within the legally required timeframe, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal counsel to enforce my rights under federal law. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX Documents Attached : FTC Identity Theft Report Drivers License Recent Mail for Address Verification

Company response to consumer: Closed with non-monetary relief