Consumer complaint received 2025-07-04 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, OH XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian, TransUnion, and Equifax [ Include mailing addresses for all three bureaus ] Subject : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Inquiries and Accounts Under 15 U.S.C. 1681c-2 ( FCRA 605B ), UCC 1-308 , and Cease and Desist Notice Dear Credit Bureau Compliance Department , I am writing to formally dispute and demand the immediate deletion of fraudulent and unauthorized hard inquiries listed below, as well as any associated accounts or entries that resulted from identity theft and security breaches. This request is supported by my official FTC Identity Theft Reports ( # XXXX and # XXXX ), which detail multiple fraudulent accounts and inquiries that were made without my knowledge or consent. 

Fraudulent Hard Inquiries to be Deleted : Equifax ( Report Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion ( Report Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX These inquiries were not authorized by me and are a direct result of identity theft, as detailed in my sworn FTC statements XXXX I have never given permission for any of these entities to access my credit file. 

Violations & Legal Grounds for Deletion : 15 U.S.C. 1681c-2 ( FCRA 605B ) : You are legally required to block identity theft-related information from a consumer report within 4 business days of receiving a valid dispute and identity theft affidavit. My enclosed FTC reports serve as that affidavit.

15 U.S.C. 1681b ( c ) : These inquiries were obtained without a permissible purpose. I never applied for credit or authorized these entities to pull my report.

UCC 1-308 Without Prejudice : I hereby reserve all rights and remedies under the Uniform Commercial Code regarding unauthorized debt and inquiries made without a lawful contract or verified agreement.

Cease and Desist under 15 U.S.C. 1692c ( c ) : You are formally instructed to cease and desist from reporting or facilitating any further communication or dissemination of this fraudulent data.

Security Breaches Cited : My personal data may have been compromised in the following breaches : Equifax data breach ( XXXX  ) TransUnion and Experian exposure ( ongoing incidents ) XXXX XXXX XXXX XXXX XXXX XXXX impacting XXXX  of users These incidents likely enabled unauthorized third parties to commit fraud in my name. 

Demand for Immediate Action : Under the Fair Credit Reporting Act and applicable consumer protection laws, you are required to investigate, block, and delete these fraudulent entries. This includes all associated inquiries and derivative accounts originating from them.

Failure to comply may result in legal action, including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential civil claims for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please confirm deletion in writing within 30 days of receipt of this notice, per FCRA guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation