Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am submitting this letter as a formal dispute and identity theft claim pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 605C, as well as FERPA privacy protections, regarding fraudulent accounts and unauthorized inquiries appearing on my credit report.

I have already filed an FTC Identity Theft Report, which I am including with this letter, and therefore you are required by law to act. 



Fraudulent Accounts to be Deleted Immediately The following accounts are not mine, were opened and/or reported fraudulently, and must be blocked and removed from my credit profile within no later than XXXX ( XXXX ) business days, as required under FCRA 605B ( c ) ( 2 ) ( block within XXXX business days ) and 611 ( a ) ( 1 ) ( A ) ( resolve reinvestigation within XXXX business days when identity theft documentation is provided ) : XXXX XXXX XXXX  SS Secured Loan ( Closed/Paid but inaccurately reported with late marks ). 
XXXX XXXX Account charged off {$2400.00}, reported as written off and still listed as past due. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Accounts ( Fraudulent Education Loans ) : # XXXX Balance {$1800.00} / Past Due {$160.00} # XXXX Balance {$130.00} / Past Due {$11.00} # XXXX Balance {$1800.00} / Past Due {$160.00} # XXXX Balance {$3600.00} / Past Due {$300.00} # XXXX Balance {$1800.00} / Past Due {$170.00} # XXXX Balance {$1000.00} / Past Due {$96.00} # XXXX Balance {$2000.00} / Past Due {$170.00} XXXX XXXX XXXX XXXX XXXX account ( # XXXX ) tied to XXXX XXXX XXXX XXXX XXXX, reported with {$2200.00} balance. This is fraudulent, unauthorized, and must be deleted immediately. 



Fraudulent Inquiries to be Deleted Immediately The following unauthorized hard inquiries are fraudulent and must be removed, as they were not initiated by me : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Violation of Accuracy Requirements These student loan accounts have already been permanently deleted from Equifax following my identity theft dispute. 

Therefore, Experian and TransUnion are willfully reporting inaccurate information by continuing to display these loans. This is a direct violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Maintaining these accounts on two reports after removal from a third bureau constitutes reckless disregard and non-compliance under the law.

Legal Basis for Removal FCRA 605B requires consumer reporting agencies to block fraudulent information within XXXX business days of receiving an identity theft report.

FCRA 605C prohibits reinsertion of deleted or fraudulent data without proper certification.

FCRA 611 ( a ) ( 1 ) ( A ) requires disputes to be completed within 7 business days when identity theft documentation is provided.

FCRA 607 ( b ) mandates that all CRAs ensure ma
ximum possible accuracy failure to match Equifaxs deletion of these loans is a violation.

FERPA protects my educational records from unauthorized or inaccurate reporting. Required Action 1. Immediately block
and delete all fraudulent accounts and unauthorized inquiries listed above.

2. Provide me with all web signature documents, original applications, and validation records received from the furnishers under e-OSCAR compliance. 
XXXX. Confirm in writing within XXXX business days that the accounts and inquiries have been permanently removed from my credit file.

4. Ensure no reinsertion occurs, in compliance with 605C, without proper validation and my express written consent.

Notice of Intent Failure to comply within the required timeframe will result in immediate escalation, including filing complaints with the CFPB, FTC, and State Attorney Generals office.

I reserve all rights to pursue civil action for statutory damages under FCRA 616 and 617 should you fail to meet your obligations. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief