{"took":226,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17120164","_score":21.227146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Complaint Department Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute inaccurate information appearing on my credit report issued by your agency under file number XXXX The information associated with my Social Security number is incorrect. \nSpecifically, the inaccurate information concerns my Social Security number that you have on file for me. I request that you investigate this matter pursuant to the Fair Credit Reporting Act ( FCRA ) and delete or correct the inaccurate information immediately. \nUnder the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and update my credit record accordingly. Please provide written confirmation of your findings and a corrected copy of my credit report reflecting any changes made. Additionally, notify all parties who have received my credit report in the last six months about the corrections. \nEnclosed are copies of supporting documents to verify my identity and assist with your investigation, including : A copy of my Social Security card A copy of my government-issued ID A copy of the credit report with disputed items circled Thank you for your prompt attention to this serious issue. \nSincerely, XXXX XXXX XXXX Enclosures : Social Security card copy Government-issued ID copy","date_sent_to_company":"2025-11-08T23:43:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29642","tags":null,"has_narrative":true,"complaint_id":"17120164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-08T23:13:53.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Complaint Department Equifax Information Services LLC XXXX."],"company":["EQUIFAX, INC."]},"sort":[21.227146,"17120164"]},{"_index":"complaint-public-v1","_id":"9101680","_score":19.511532,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Collection Accounts - Section 1681b ( a ) ( 3 ) ( A ) Compliance Dear Equifax Dispute Department, I am writing to dispute the accuracy of information on my Equifax credit report, specifically concerning three collection accounts attributed to XXXX XXXX XXXX. The account numbers associated with these accounts are as follows : 1. XXXX XXXX XXXX ( XXXXXXXX XXXX ) : Acct # ending : XXXX XXXX. XXXX XXXX XXXX : Acct # ending : XXXX I am asserting that the reporting of these entries is not for a permissible purpose, as required by Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under this section to request a thorough investigation into the purpose for which these accounts are being reported. \n[ Include the following details : ] Date of Birth : XX/XX/XXXX Social Security Number : XXXX I am specifically requesting the removal of these collection accounts from my credit report due to the failure to demonstrate a permissible purpose for reporting, as mandated by Section 1681b ( a ) ( 3 ) ( A ) of the FCRA. Additionally, I request that you provide a written response within the time frame mandated by the FCRA, typically 30 days, detailing the results of your investigation and any actions taken. \nThank you for your prompt attention to this matter. I trust that Equifax will conduct a thorough and fair investigation in accordance with the provisions of the Fair Credit Reporting Act. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-05-27T03:03:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"9101680","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-27T03:00:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Collection Accounts - Section 1681b ( a ) ( 3 ) ( A ) Compliance Dear Equifax Dispute Department, I am writing to dispute the accuracy of information on my Equifax credit report, specifically concerning three collection accounts attributed to XXXX XXXX XXXX."],"company":["EQUIFAX, INC."]},"sort":[19.511532,"9101680"]},{"_index":"complaint-public-v1","_id":"16395871","_score":19.18557,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Kikoff Lending , LLC Account Name : Kikoff Lending , LLC Account Number : [ Include account number as listed on report, XXXX XXXX XXXX XXXX Equifax Confirmation Number : XXXX Dear Equifax Dispute Department, I am writing to dispute inaccurate and duplicate information appearing on my Equifax credit file regarding my Kikoff Lending , LLC account. The account is incorrectly listed as a charge-off and appears to have been reported more than once. This information is inaccurate and has negatively impacted my credit score.\n\nI have consistently made on-time payments to Kikoff Lending and have never defaulted on this account. Therefore, the charge-off status and duplicate reporting are both incorrect and misleading. \n\nI am requesting that Equifax conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify this accounts accuracy. Specifically, I request that : XXXX. The charge-off status be removed, as it is not accurate. \nXXXX. Any duplicate or erroneous entries related to this account be deleted. \nXXXX. The account be updated to reflect positive payment history. \n\nIf Kikoff Lending , LLC can not verify the legitimacy of the charge-off or duplicate reporting, I request that XXXX delete XXXX correct the information immediately as required by law. \n\nPlease send written confirmation once the investigation is complete. I have enclosed copies of my identification, proof of address, and payment evidence to assist in your investigation. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Last XXXX Digits : XXXX","date_sent_to_company":"2025-10-06T12:53:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75241","tags":null,"has_narrative":true,"complaint_id":"16395871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-10-06T12:41:55.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Last XXXX Digits : XXXX"]},"sort":[19.18557,"16395871"]},{"_index":"complaint-public-v1","_id":"13833580","_score":18.23077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, Ohio XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Correct Inaccuracies in My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute inaccuracies in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. Upon reviewing my credit report, I have identified several errors that I request be investigated and corrected promptly.\n\nThe inaccuracies include : Incorrect or outdated addresses listed in my report.\n\nVariations of my name that are inaccurate or not associated with me.\n\nIncorrect employment information, also inquiries.\n\nThese errors are causing confusion and may negatively impact my credit profile. Under FCRA Section 609 ( a ) ( 1 ), I have the right to request all information in my credit file, including the sources of this inaccurate information. Additionally, under FCRA Section 611 ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Equifax is required to conduct a reasonable investigation and correct or delete any unverifiable information. \nPlease find my identifying information below to assist with your investigation : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I have also attached copies of the following documents to verify my identity and support this dispute : A copy of my government-issued ID. \nA bank statement. \n\nI request that you investigate these inaccuracies, update my credit report to reflect accurate information, and provide me with a corrected copy of my credit report using my email address only. If you require any additional information, please contact me at XXXX or XXXX. \n\nI appreciate your prompt attention to this matter and look forward to your written confirmation that these issues have been resolved within the 30-day timeframe required by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T00:25:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43065","tags":null,"has_narrative":true,"complaint_id":"13833580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-01T23:21:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, Ohio XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Correct Inaccuracies in My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute inaccuracies in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611."],"company":["EQUIFAX, INC."]},"sort":[18.23077,"13833580"]},{"_index":"complaint-public-v1","_id":"3132529","_score":17.796936,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TWO PAGES SENT ELECTRONIC MAIL AND UNITED STATES POSTAL SERVICE PAGE 1 OF 2 XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa, XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX NOTICE OF REIMBURSEMENT OF {$50000.00} IS DUE XXXX XXXX XXXX, DUE TO EQUIFAXS SLANDER, MISPRESENTATIONS OF FACT, NEGLIGENCE, BREACH OF DATA, AND HAZING ME Dear Representatives of Consumer Financial Protection Bureau ( CFPB ) : This letter is sent to register and report my formal complaints against Equifax, a Federal Credit Reporting Bureau. Equifax negligently breach data, which cause financial harm thus endangered me. Equifax failed to investigate fraud appropriately. These are facts of disclosure regarding Equifaxs slander, misrepresentations of fact, breach of data, negligence. Equifaxs negativity and hazing is bias profiling of me, and slander me to creditors and companies : known as XXXX/MasterCard and XXXX. \n\nIt is my duty to inform CFPB of the gross harm caused doing the recovery in the aftermath of XX/XX/XXXXHurricane Irma. Equifax made numerous errors and neglected to investigate, repair, and respond for its breach of data. Thus numerous accounts of wire fraud, identity theft, misuse of my data, my stolen date of birth, and social security number did occur. \n\nThe investigative team of Social Security Office, the IRS ( Department of the Treasury-refer to XXXX ), and my accounting affirm of XXXX, XXXX XXXX XXXX , XXXX, has affirmed no wrongdoing on my part. Hence, Equifaxs errors created false data, misrepresentations, and fraud.\n\n1 ) The Social Security Admistration Office affirmed that an internal change occurred illegally, that my correct date of birth of xxxx, was stolen and incorrectly registered as xxxx, and this is breach of data, identity theft, and fraud. \n2 ) Equifax received notices from XXXX XXXX and XXXX that unauthorized foreign transaction charges and fees posted on my account, credit/cash funds stolen on XX/XX/XXXX in XXXX and on CONTINUED PAGE 2 OF 2 XX/XX/XXXX in XXXX : even thou a 7-year fraud alert with the Federal Credit Bureaus existed. \n2 ) Equifax placed an active-duty alert on the account, which required remedy. Equifaxs letter dated XX/XX/XXXX, and I am a non-veteran or military employee. \n3 ) Then while XXXX and XXXX investigated, disputed, and responded to the fraud kindly and with care, Equifax did not. \n4 ) My file complaint reference number against Equifax is registered in XXXX : my Equifax complaint reference number is XXXX. \n5 ) XXXX notified my in writing that Equifax in the month of XX/XX/XXXX demanded credit limit reductions for the reason of Equifax and its fraudulent data ; thus credit limit of {$8400.00} reduced to {$5000.00} without just cause. Equifax use false data to slander me and in the aftermath of recovery from a natural and unnatural disaster of XXXX Hurricane Irma 6 ) XXXX XXXX has reported to me that Equifax disclosed data, which caused more charges that are fraudulent and having to remedy with law enforcement and lawyers. Unauthorized-incidents by XXXX/XXXX-XXXX, XXXX/XXXX, in California XXXX Next, unauthorized charges on XX/XX/XXXX, all due to Equifaxs breach of data did these fraud charges post onto new XXXX XXXX accounts. \n7 ) Equifax lied, lost, and misplaced my data. Equifax denied data from law enforcement, police reports, and letters of law offices regarding a fraud of XXXX of XXXX XXXX. The United States Postal Service ( USPS ) reference number and signature of a one being, XXXX is dated XX/XX/XXXX ; USPS track number is XXXX. \n\nEquifax has failed to properly investigate, respond, and appropriately refund and credit funds to me for their negligence and breach of data. \n\nThank you CFPB for providing assistance to me with a remedy that restores my dignity and finances. \n\nRespectfully yours.","date_sent_to_company":"2019-01-24T20:29:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"3132529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-24T20:13:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax made numerous errors and neglected to investigate, repair, and respond for its breach of data. Thus numerous accounts of wire fraud, identity theft, misuse of my data, my stolen date of birth, and social security number did occur. \n\nThe investigative team of Social Security Office, the IRS ( Department of the Treasury-refer to XXXX ), and my accounting affirm of XXXX, XXXX XXXX XXXX , XXXX, has affirmed no wrongdoing on my part."],"company":["EQUIFAX, INC."]},"sort":[17.796936,"3132529"]},{"_index":"complaint-public-v1","_id":"16806587","_score":15.850679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax Compliance and Fraud Department, I am a verified victim of identity theft and an individual impacted by the XX/XX/XXXX TransUnion data breach, which exposed consumer names, Social Security numbers, and dates of birth. This breach has resulted in fraudulent accounts being reported across credit bureaus, including Equifax. \n\nI have filed a verified FTC Identity Theft Report ( ID # XXXX ) on XX/XX/XXXX, and enclose it as documentation supporting this formal dispute. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to block and delete fraudulent entries within four ( 4 ) business days of receiving this notice.\n\nI. Legal Authority and Forensic Audit Request Pursuant to 15 U.S.C. 1681b, 1681c-2, 1681i, 1681s-2, 1681n, and 1681o, I demand a forensic audit of my Equifax consumer file, to include : All subscriber IDs and data furnishers that accessed or modified my file since XX/XX/XXXX ; Matching logic and identity-association algorithms used to link records to my profile ; All access logs, dispute verification notes, and data-sharing records related to the listed accounts. \n\nThese records must be produced pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ) ( A ).\n\nII. Fraudulent and Negative Accounts to Be Blocked and Deleted Under FCRA 605B, the following accounts must be blocked and deleted within four business days of receipt of this notice and my FTC Identity Theft Report : Creditor / Furnisher Account Number Date Fraud Began Type Fraud Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Account {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Loan {$0.00} These accounts were never authorized by me and appear to stem from the TransUnion breach and resulting identity misuse. \n\nEquifax must : Block and delete the listed tradelines ; Cease and desist from re-reporting them ; Provide written confirmation detailing each deletion/block action.\n\nIII. Fraud Alert and Consumer Statement Request Please place a Fraud Alert on my Equifax file for a period of one year pursuant to FCRA 605A.\n\nConsumer Fraud Statement to be Included : I am a verified victim of identity theft and was affected by the XX/XX/XXXX TransUnion data breach. Any credit application must be verified directly with me at ( XXXX ) XXXX before approval. \n\nIV. Notice of Liability and Escalation Failure to comply within four business days will constitute willful and/or negligent non-compliance under FCRA 616617 . I will file formal complaints with the CFPB, FTC, and Georgia Attorney General and pursue civil remedies for statutory damages and attorney fees.","date_sent_to_company":"2025-10-24T17:00:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"16806587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-24T15:11:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear Equifax Compliance and Fraud Department, I am a verified victim of identity theft and an individual impacted by the XX/XX/XXXX TransUnion data breach, which exposed consumer names, Social Security numbers, and dates of birth. This breach has resulted in fraudulent accounts being reported across credit bureaus, including Equifax. \n\nI have filed a verified FTC Identity Theft Report ( ID # XXXX ) on XX/XX/XXXX, and enclose it as documentation supporting this formal dispute."],"company":["EQUIFAX, INC."]},"sort":[15.850679,"16806587"]},{"_index":"complaint-public-v1","_id":"12203000","_score":14.622602,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate addresses from my credit report.\n\nFor identification purposes, my information is as follows : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Upon reviewing my credit file, I have identified multiple inaccurate and unauthorized addresses that do not belong to me. These inaccuracies constitute a violation of my consumer rights under the FCRA, which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete any information that can not be verified or is found to be inaccurate. \n\nThe following addresses are fraudulent and must be permanently removed from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX As per the Fair Credit Reporting Act ( FCRA ) 611, I demand that you conduct a thorough reinvestigation of these fraudulent addresses within 30 days and provide me with a written confirmation upon their removal. Furthermore, under 15 U.S.C. 1681c-2, I am exercising my right to block any fraudulent information from appearing in my file.\n\nI am enclosing a copy of my identification and proof of my correct address to assist in your verification process. If these addresses are not removed within the legally required time frame, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action.\n\nPlease confirm in writing that these corrections have been made. You may contact me at the address above should you require any additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-26T02:08:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"12203000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T02:08:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate"],"company":["EQUIFAX, INC."]},"sort":[14.622602,"12203000"]},{"_index":"complaint-public-v1","_id":"12203001","_score":14.598234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate addresses from my credit report.\n\nFor identification purposes, my information is as follows : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Upon reviewing my credit file, I have identified multiple inaccurate and unauthorized addresses that do not belong to me. These inaccuracies constitute a violation of my consumer rights under the FCRA, which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete any information that can not be verified or is found to be inaccurate. \n\nThe following addresses are fraudulent and must be permanently removed from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX As per the Fair Credit Reporting Act ( FCRA ) 611, I demand that you conduct a thorough reinvestigation of these fraudulent addresses within 30 days and provide me with a written confirmation upon their removal. Furthermore, under 15 U.S.C. 1681c-2, I am exercising my right to block any fraudulent information from appearing in my file.\n\nI am enclosing a copy of my identification and proof of my correct address to assist in your verification process. If these addresses are not removed within the legally required time frame, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action.\n\nPlease confirm in writing that these corrections have been made. You may contact me at the address above should you require any additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-26T02:08:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"12203001","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T02:08:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate"],"company":["EQUIFAX, INC."]},"sort":[14.598234,"12203001"]},{"_index":"complaint-public-v1","_id":"12202784","_score":14.582202,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate addresses from my credit report.\n\nFor identification purposes, my information is as follows : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Upon reviewing my credit file, I have identified multiple inaccurate and unauthorized addresses that do not belong to me. These inaccuracies constitute a violation of my consumer rights under the FCRA, which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete any information that can not be verified or is found to be inaccurate. \n\nThe following addresses are fraudulent and must be permanently removed from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX As per the Fair Credit Reporting Act ( FCRA ) 611, I demand that you conduct a thorough reinvestigation of these fraudulent addresses within 30 days and provide me with a written confirmation upon their removal. Furthermore, under 15 U.S.C. 1681c-2, I am exercising my right to block any fraudulent information from appearing in my file.\n\nI am enclosing a copy of my identification and proof of my correct address to assist in your verification process. If these addresses are not removed within the legally required time frame, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action.\n\nPlease confirm in writing that these corrections have been made. You may contact me at the address above should you require any additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-26T02:08:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"12202784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T01:53:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate"],"company":["EQUIFAX, INC."]},"sort":[14.582202,"12202784"]},{"_index":"complaint-public-v1","_id":"16315483","_score":14.423895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX DE XXXXEquifax Information Services, LLC\\XXXX XXXX XXXX GA XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA Request for\\nImmediate Deletion\\n\\nDear Equifax,\\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate\\nCredit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\\nGiven the Equifax data breach of XXXX in which the personal information of over XXXX XXXX Americansincluding names, Social Security numbers, dates of birth, and\\naddresseswas compromised, and the more recent \"Mother of All Breaches\"\\n(MOAB) in XXXX as well as the July XXXX breach exposing over XXXX XXXX passwords\\nand credentials, it is no longer reasonable to assume that every item on a credit report\\ngenuinely belongs to the consumer without independent verification.\\nDue to the magnitude and frequency of these massive data breaches, I am requesting\\nthat the following accounts be thoroughly investigated and permanently deleted from my\\ncredit file if any of the information cannot be 100% verified with original source\\ndocumentation:\\n\\nAccounts in Dispute:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX. DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY:\\nUS DEPARTMENT OF EDU XXXX XXXX XXXXAccording to the FCRA:\\n You must complete your reinvestigation within 30 days of receiving this\\ndispute.\\n If an item cannot be verified, it must be deleted from my credit report.\\n You are also required to notify me in writing of the results of your\\ninvestigation.\\nAdditionally, I demand you provide:\\n1. The name, address, and contact information of each data furnisher for the\\naccounts in question.\\n2. A description of the procedure used to determine the accuracy and completeness\\nof the information.\\n3. Proof of my authorization or contractual obligation for the items listedespecially\\nin light of known breaches and potential fraudulent use of personal data.\\nFailure to respond within 30 days will result in formal complaints being filed with the\\nConsumer Financial Protection Bureau (CFPB), the Federal Trade Commission\\n(FTC), and my state Attorney Generals office.\\nAs a consumer exercising my rights under federal law, I expect your full compliance with\\nthe FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\\n\\nSincerelyXXXX XXXX XXXX","date_sent_to_company":"2025-10-02T20:47:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"16315483","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T20:39:54.000Z","state":"DE","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX DE XXXXEquifax Information Services, LLC\\XXXX XXXX XXXX GA XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA Request for\\nImmediate Deletion\\n\\nDear Equifax,\\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file."],"company":["EQUIFAX, INC."]},"sort":[14.423895,"16315483"]},{"_index":"complaint-public-v1","_id":"17904182","_score":13.712798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax Dispute Department : I am writing to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you conduct a reasonable investigation into these matters within XXXX days, as required by FCRA 1681i ( a ) ( 1 ), and delete or correct any unverifiable or inaccurate information. If you fail to complete the investigation within the statutory timeframe ( extendable to XXXX days only if additional information is provided by me ), the disputed items must be deleted under FCRA 1681i ( a ) ( 5 ).\n\nPlease note that under FCRA 1681s-2 ( b ), you must forward this dispute to the furnishers of the information ( listed below ) and require them to investigate and verify the accuracy of the reported data. If the information can not be verified as accurate, complete, and current, it must be removed from my report. I have enclosed copies of supporting documentation, including my credit report excerpts, and I am sending copies of this letter to the furnishers via certified mail. \nThe disputed items are as follows : * XXXX XXXX Services Account ( XXXX ) Reported Details : Status : Charge Off ; Balance : {$1900.00} ; Amount Past Due : {$1900.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : This account is inaccurately reported as a charge-off with an outstanding past due balance. Under FCRA 1681s-2 ( a ) ( 1 ), furnishers must report accurate and complete information. The status may not reflect any post-charge-off payments or settlements, violating the requirement for up-to-date reporting. Additionally, the delinquency dates appear re-aged or inconsistent with my records, in violation of FCRA 1681c ( a ), which prohibits reporting delinquencies older than XXXX years from the original date. Narrative code XXXX ( XXXX days past due ) conflicts with the charge-off status if the account was closed without resolution. This information is unverifiable and should be deleted if not confirmed within XXXX XXXXFurnisher : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX Days Past Due ; Amount Past Due : {$190.00} ; Scheduled Payment : {$38.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : The status is inaccurate due to conflicting narrative codes. Code XXXX indicates \" XXXX XXXX deferred, '' yet it is reported as past due, violating FCRA 1681s-2 ( a ) ( 1 ) for inaccurate reporting. Codes XXXX and XXXX suggest prior disputes resolved by the furnisher, but the current delinquency does not reflect this resolution, breaching FCRA 1681s-2 ( a ) ( 3 ) for failure to note resolved disputes. Code XXXX marks it as \" previously in disputenow resolved, '' making the ongoing past due status incomplete and unverifiable. Federal student loans in deferment should not show delinquencies ; this error must be corrected or deleted if not verified within XXXX days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX Days Past Due ; Amount Past Due : {$350.00} ; Scheduled Payment : {$70.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Identical issues as Account XXXX XXXX. The deferred status ( code XXXX ) conflicts with the past due reporting, violating FCRA 1681s-2 ( a ) ( XXXX ). Resolved dispute markers ( XXXX, XXXX, XXXX ) are not reflected in the current status, per FCRA 1681s-2 ( a ) ( 3 ). This appears to be a systemic reporting error for student loans ; delete if unverifiable within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\nXXXX Department of Education Account ( XXXX ) Reported Details : Status : Over 120 Days Past Due ; Amount Past Due : {$32.00} ; Scheduled Payment : {$6.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Same violations as above. Deferment code XXXX invalidates the delinquency reporting under FCRA 1681s-2 ( a ) ( 1 ). Unresolved dispute indicators ( XXXX, XXXX, XXXX ) require update or deletion per FCRA 1681s-2 ( a ) ( 3 ). Remove if not verified within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n\nThese inaccuracies are harming my credit score and ability to obtain credit. Please provide me with the results of your investigation, including descriptions of the procedures used, in writing within XXXX days of completion, as required by FCRA 1681i ( a ) ( 6 ). If any items are deleted, send an updated credit report to me and all parties who have inquired about my credit in the past XXXX months ( or XXXX years for employment purposes ). \nFailure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 1681n, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. \nThank you for your prompt attention. I look forward to your response. \nSincerely, XXXX XXXX Enclosures : Copy of Equifax Credit Report ( excerpts ) Copy of Identification ( Driver 's License or Utility Bill ) Any relevant payment records or deferment confirmations ( attach if available ) cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-10T00:22:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"17904182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-10T00:12:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax Dispute Department : I am writing to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ),"],"company":["EQUIFAX, INC."]},"sort":[13.712798,"17904182"]},{"_index":"complaint-public-v1","_id":"12553411","_score":13.488575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and you are required to investigate and correct errors within 30 days. \n\nIncorrect Personal Information : Name Variations : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I have attached a copy of my government-issued identification ( e.g., drivers license, passport ) and a recent utility bill or bank statement as proof of my correct identity and address. \n\nPlease investigate this matter promptly and remove any outdated or incorrect information from my credit file. In accordance with FCRA requirements, I expect a written response and an updated copy of my credit report reflecting these changes within 30 days. \n\nIf you fail to correct these inaccuracies, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\nThank you for your prompt attention to this matter. I look forward to your response confirming the correction of my personal information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-20T02:38:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"12553411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T01:54:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses"]},"sort":[13.488575,"12553411"]},{"_index":"complaint-public-v1","_id":"12553314","_score":13.488575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and you are required to investigate and correct errors within 30 days. \n\nIncorrect Personal Information : Name Variations : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I have attached a copy of my government-issued identification ( e.g., drivers license, passport ) and a recent utility bill or bank statement as proof of my correct identity and address. \n\nPlease investigate this matter promptly and remove any outdated or incorrect information from my credit file. In accordance with FCRA requirements, I expect a written response and an updated copy of my credit report reflecting these changes within 30 days. \n\nIf you fail to correct these inaccuracies, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\nThank you for your prompt attention to this matter. I look forward to your response confirming the correction of my personal information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-20T02:38:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"12553314","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-20T02:38:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses"]},"sort":[13.488575,"12553314"]},{"_index":"complaint-public-v1","_id":"12553317","_score":13.484371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and you are required to investigate and correct errors within 30 days. \n\nIncorrect Personal Information : Name Variations : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I have attached a copy of my government-issued identification ( e.g., drivers license, passport ) and a recent utility bill or bank statement as proof of my correct identity and address. \n\nPlease investigate this matter promptly and remove any outdated or incorrect information from my credit file. In accordance with FCRA requirements, I expect a written response and an updated copy of my credit report reflecting these changes within 30 days. \n\nIf you fail to correct these inaccuracies, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\nThank you for your prompt attention to this matter. I look forward to your response confirming the correction of my personal information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-20T02:38:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"12553317","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-20T02:38:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses"],"company":["EQUIFAX, INC."]},"sort":[13.484371,"12553317"]},{"_index":"complaint-public-v1","_id":"13434517","_score":13.273617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Email : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Data Breach Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear Equifax Dispute Department , I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.\n\nAdditionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. \nBe advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the Better Business Bureau regarding this matter. Equifax to block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.\n\nIf these accounts are not removed, or if I do not receive a proper investigation outcome and documentation within 4 business days, I will pursue legal remedies including but not limited to : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. Penalty of Perjury 6. Violations of 15 U.S.C. 1692g, 1692a 7. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) This letter is formally written by myself, XXXX XXXX XXXX XXXX and not by a third party or representative. \nThe following accounts are fraudulent and inaccurate : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Tx, XXXX The following employer information is inaccurate and should also be removed : XXXX. XXXX XXXX XXXX. XXXX I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation. \nEnclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX XXXX Affidavit of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Equifax. \nMy residential address is XXXX XXXXXXXX XXXX XXXX TX XXXX My Social Security XXXX is XXXX. \nMy Date of Birth is XX/XX/XXXX. \nMy email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief. \nI submit this Affidavit of Identity to establish my identity and to further support my formal dispute of the unlawful reinsertion of inaccurate information on my credit report. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-10T02:43:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75115","tags":null,"has_narrative":true,"complaint_id":"13434517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-10T02:34:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Email : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Data Breach Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear Equifax Dispute Department , I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft."],"company":["EQUIFAX, INC."]},"sort":[13.273617,"13434517"]},{"_index":"complaint-public-v1","_id":"16134560","_score":13.069274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it XXXX concern, Consumer Financial Protection Bureau XXXX XXXX XXXX Experian / Equifax / XXXX / XXXX/ XXXX. XXXX Re : Fraudulent Activity, Identity Theft, and Demand for Permanent Deletion of False Records Dear Consumer Financial Protection Bureau, I am filing this complaint/dispute as a documented victim of identity theft. My personal information ( Social Security number, drivers license number, date of birth, phone numbers, and addresses ) has been stolen, sold on the dark web, and used to create fraudulent credit applications, accounts, inquiries, and insurance policies. Through my Experian membership services, I discovered that my SSN, XXXX, and drivers license number are listed on the dark web and being sold. A long list of fraudulent addresses and phone numbers have been tied to my file across multiple states, including XXXX GA, XXXX XXXX CA, XXXX XXXX CA, XXXX XXXX CA, XXXX AZ, and many others. Dozens of companies continue to pull, sell, and circulate my personal information without authorization. This fraudulent activity has led to the following unlawful records in my files : Addresses : I demand deletion of all addresses except my correct residence : XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, FL XXXX Phone Numbers : I demand deletion of all phone numbers except my correct number : ( XXXX ) XXXX Fraudulent Inquiries/Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX, LendingPoint, FlexShopper, XXXX, XXXX, XXXX Funding XXXX XXXX XXXX XXXX XXXX and others. \nDrivers License Records : False Maryland drivers license records. I have only had a Florida drivers license ( # XXXX ). \nThese are clear violations under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the CFPBs consumer protection rules. I am a documented victim of identity theft dating back to the early XXXX. Despite years of disputes and removals, fraudulent addresses, phone numbers, and accounts keep reappearing in my credit file because Experian, Equifax, TransUnion, and secondary agencies such as XXXX and XXXX continue to repopulate outdated and stolen data. Through my Experian membership, I confirmed that my Social Security number, drivers license, phone numbers, and personal information are listed on the dark web and being sold. I also found at least 14 different states and addresses tied to my name which is impossible and clearly fraudulent. While Experian has removed some items when disputed, they return again because XXXX and others keep reintroducing them. This cycle of re-reporting causes ongoing harm and violates my rights under the Fair Credit Reporting Act. I am requesting that the CFPB require all reporting agencies to : ( 1 ) permanently delete fraudulent addresses, phone numbers, and accounts ; ( 2 ) block future reinsertion of this stolen data ; and ( 3 ) provide written confirmation of compliance with FCRA identity theft protections. I DEMAND : 1 Immediate deletion of all fraudulent addresses, phone numbers, accounts, and inquiries.\n\n2 Permanent blocking of these fraudulent items from reappearing in my file under FCRA 605B ( identity theft protection ).\n\n3 Cessation of the resale, transfer, or re-reporting of my personal data by XXXX, Experian, Equifax, XXXX, and any third-party data furnishers. \n4 Correction of drivers license records to reflect Florida only.\n\n5 Written confirmation of actions taken.\n\nSupporting Documentation Attached : Copy of police report ( XXXX XXXX XXXX Case # XXXX ) Copy of IRS confirmation of identity theft Screenshots from Experian dark web monitoring showing all of my personal information that can easily tie me to bad actors behavior This matter is serious and ongoing. I am also submitting copies to the Florida Attorney General, the Federal Trade Commission, and the XXXX XXXX Police Department for further investigation and prosecution of the entities trafficking and","date_sent_to_company":"2025-09-23T14:31:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33712","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16134560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-23T14:18:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it XXXX concern, Consumer Financial Protection Bureau XXXX XXXX XXXX Experian / Equifax / XXXX / XXXX/ XXXX. XXXX Re : Fraudulent Activity, Identity Theft, and Demand for Permanent Deletion of False Records Dear Consumer Financial Protection Bureau, I am filing this complaint/dispute as a documented victim of identity theft."]},"sort":[13.069274,"16134560"]},{"_index":"complaint-public-v1","_id":"16132961","_score":13.069274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it XXXX concern, Consumer Financial Protection Bureau XXXX XXXX XXXX Experian / Equifax / XXXX / XXXX/ XXXX. XXXX Re : Fraudulent Activity, Identity Theft, and Demand for Permanent Deletion of False Records Dear Consumer Financial Protection Bureau, I am filing this complaint/dispute as a documented victim of identity theft. My personal information ( Social Security number, drivers license number, date of birth, phone numbers, and addresses ) has been stolen, sold on the dark web, and used to create fraudulent credit applications, accounts, inquiries, and insurance policies. Through my Experian membership services, I discovered that my SSN, XXXX, and drivers license number are listed on the dark web and being sold. A long list of fraudulent addresses and phone numbers have been tied to my file across multiple states, including XXXX GA, XXXX XXXX CA, XXXX XXXX CA, XXXX XXXX CA, XXXX AZ, and many others. Dozens of companies continue to pull, sell, and circulate my personal information without authorization. This fraudulent activity has led to the following unlawful records in my files : Addresses : I demand deletion of all addresses except my correct residence : XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, FL XXXX Phone Numbers : I demand deletion of all phone numbers except my correct number : ( XXXX ) XXXX Fraudulent Inquiries/Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX, LendingPoint, FlexShopper, XXXX, XXXX, XXXX Funding XXXX XXXX XXXX XXXX XXXX and others. \nDrivers License Records : False Maryland drivers license records. I have only had a Florida drivers license ( # XXXX ). \nThese are clear violations under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the CFPBs consumer protection rules. I am a documented victim of identity theft dating back to the early XXXX. Despite years of disputes and removals, fraudulent addresses, phone numbers, and accounts keep reappearing in my credit file because Experian, Equifax, TransUnion, and secondary agencies such as XXXX and XXXX continue to repopulate outdated and stolen data. Through my Experian membership, I confirmed that my Social Security number, drivers license, phone numbers, and personal information are listed on the dark web and being sold. I also found at least 14 different states and addresses tied to my name which is impossible and clearly fraudulent. While Experian has removed some items when disputed, they return again because XXXX and others keep reintroducing them. This cycle of re-reporting causes ongoing harm and violates my rights under the Fair Credit Reporting Act. I am requesting that the CFPB require all reporting agencies to : ( 1 ) permanently delete fraudulent addresses, phone numbers, and accounts ; ( 2 ) block future reinsertion of this stolen data ; and ( 3 ) provide written confirmation of compliance with FCRA identity theft protections. I DEMAND : 1 Immediate deletion of all fraudulent addresses, phone numbers, accounts, and inquiries.\n\n2 Permanent blocking of these fraudulent items from reappearing in my file under FCRA 605B ( identity theft protection ).\n\n3 Cessation of the resale, transfer, or re-reporting of my personal data by XXXX, Experian, Equifax, XXXX, and any third-party data furnishers. \n4 Correction of drivers license records to reflect Florida only.\n\n5 Written confirmation of actions taken.\n\nSupporting Documentation Attached : Copy of police report ( XXXX XXXX XXXX Case # XXXX ) Copy of IRS confirmation of identity theft Screenshots from Experian dark web monitoring showing all of my personal information that can easily tie me to bad actors behavior This matter is serious and ongoing. I am also submitting copies to the Florida Attorney General, the Federal Trade Commission, and the XXXX XXXX Police Department for further investigation and prosecution of the entities trafficking and","date_sent_to_company":"2025-09-23T14:31:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33712","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16132961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-23T14:30:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it XXXX concern, Consumer Financial Protection Bureau XXXX XXXX XXXX Experian / Equifax / XXXX / XXXX/ XXXX. XXXX Re : Fraudulent Activity, Identity Theft, and Demand for Permanent Deletion of False Records Dear Consumer Financial Protection Bureau, I am filing this complaint/dispute as a documented victim of identity theft."],"company":["EQUIFAX, INC."]},"sort":[13.069274,"16132961"]},{"_index":"complaint-public-v1","_id":"2549817","_score":12.90611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Consumer Protection Agency I am reaching to you today for your assistance for you to investigate this very serious matter that unfortuinaly I am experiencing with : Equifax credit reporting agency ( I believe the dept. dealing with is consumer affair I will mail to you in private in order for not to disclosure of the name of the people involve on the atrocity negligence the way they are currently taking my credit file and I accuse them full culpability of the consequence affecting my file knowing and having full knowledge of their action that of the information added to my credit file I am listing to you all the error committed and I will follow the action they have taking and what have change from day to day. Fortunally I have record of my credit file how it was before they took over my credit file and mess it up you will find with ease the violation has taken place I have kept record and full document of every action they have initiated I will be using all the evidence for a lawsuit to Equifax and the people involved in the event this would not get resolve out of court I reported to Equifax that my identity have been compromise after discovering several derogatory account place on my credit file. I quickly begin to learn what can be done a learned what process it must be taken with continue disputing all the inaccurate information from deferent sources. I do want to say that Equifax when compare with XXXX and XXXX they have been the worse to help you with anything what you ask, they come back with another respond that was not in any way relate to what the dispute should been, so waste of time. Regardless of having Equifax not doing what they are to enforce was a big obstacle on then to cooperate but I was able to somehow the account in dispute have it remove with the excision on one collection medical account that is refusing to remove the account from been reported to my file. Knowing the situation that one is not mine and two I was fair to ask them to produce the evidence that they believe belong to me four chances and they did get back with any.. Equifax in the meantime responded that the collection account is in fact they are reporting is accurate, really! That is to say something is wrong with how this all play and what is been done are two separate reality. I then summited documents of been a victim of identity theft by mail twice, they claim never received. That is when I then summited a complaint and also summited for the 3 time the documents relate to identity theft. I reported a complaint with the consumer protection agency Bureau. I am glad I have because you will find all this on my account with you is all there so they can not deny not having any record of it. On or about XX/XX/XXXX I receive a letter from Equifax disregarding any knowledge of Identity theft the only mention this We have received you request concerning your annual free credit report from Equifax and are looking forward to assisting you. However, the information you provided as proof of your identity does not match your information currently on file. Therefore, to protect your credit information, we must ask for some additional information in order to verify your identification and address. I then immediately gave then a call the representative says that I need it to resubmit my id and copy of social security card From this point forward they have denied assistance to me with my credit file because they can not verify who I am On or around XX/XX/XXXX send to Equifax I then again for the 3 time summited proof of identity I provided to them by fax the following : XXXX State Id issue from DMV Copy of my Social Security Card issue from the Social Security Administration On XX/XX/XXXX When I call they say that they can not help me because the information send to them does not match their record. I was not told what records they are referring they will refuse to help me or give any advice because I can not proof my identity. This is crazy I have giving then the only proof with correct identification On XX/XX/XXXX I pull one credit report online on an account I have with Equifax To my surprise this is what change on my credit profile was 1. My name was change adding an middle initial that I dont have 2. There were added some other names used about 4 names that Is not me never have use such name 3. My employment history was gone delete 4. My address history was gone 5. New address were listed that I never live on those address reported 6. There was 11 derogatory charged off account added to my credit file 7. Another collection account 8. 3 third buyers account 9. They have added or was reported another Social security number no mine In summary my identity was overnight change with new name new address middle name added a new social security number, I only have one. I am getting calls from does creditor demanding money all day long this have cause lot of damage to my poor health already in jeopardy I call then and ask who and why that has been added to my record I then see something is wrong please investigate. They denied saying that it was correct how can it be? Yesterday or the day before was not there and today is there? Something does not match up They are reporting incorrect information all of it. Is clear to see what has happen and they cant figure this out, they did it, because I have called the creditor which by the way I have an account with then in good standing if I have account not paid would I be having any account with that company no! So this is what I have found out whoever that person is they have use my name with another social security an open credit card account And I am definitely they have used my identity is clear but now their information have been merge with mine. And because of that I am not longer who I am base on Equifax this is XXXXup. What did they forget that I have reported identity theft and what I got was get kick out of my credit file.XXXXup So I have call and call they refuse to see what I have investigate saying that the only way they may not help if I provided to then my identity So a then again send it by fax this time I have added more identification for the to see they are mistaken. Fax to Equifax US passport current issue by the department of state My XXXX XXXX XXXX Id which I gain when I became a XXXX XXXX. This is another reliable id Copy of my current electric bill to proof my mailing address XXXX State ID I finally talk to this woman nightmare I was told that what I have sent will not proof anything and they can not used thatAre the XXXX crazy. Then she say that they need now a 1. sign form from social security office form XXXX XXXX and 2. my birth certificate Without that they will not tell me or do anything.now they way out of line I know they can not ask for that is illegal Dear Consumer protection Agency please help me with this what they are doing is horrible and should never be allow. Look what I have provide more than what is required and they say they can not used that, In top of that the reporting information from whoever used my identity on file and I can not have a word on that this is all bushed I will sue then that is for sure. Plead and say the true to my acknowledge So I immediately did an online search I have input that social security number to get general information basic ( no sure how credible it was but this is what I got ) I went to XXXX XXXX XXXX It appear that it was issue in XXXX on or around XX/XX/XXXX I have done everything I can on my part 1. They have denied access to my credit file and they have create a false file of who that now snowrolling","date_sent_to_company":"2017-06-13T20:11:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2549817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-13T19:42:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Then she say that they need now a 1. sign form from social security office form XXXX XXXX and 2. my birth certificate Without that they will not tell me or do anything.now they way out of line I know they can not ask for that is illegal Dear Consumer protection Agency please help me with this what they are doing is horrible and should never be allow."],"company":["EQUIFAX, INC."]},"sort":[12.90611,"2549817"]},{"_index":"complaint-public-v1","_id":"13887899","_score":12.66893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax XXXX XXXX XXXX XXXX I am writing to dispute the following inaccurate entries on my credit report. Please investigate and correct or remove these items without delay : XXXX XXXX XXXXXXXX XXXX XXXX was incarcerated when this account was illegally accessed. My identity was stolen, and I have XXXX breach documentation and prison records to confirm my status. Remove this false listing immediately. \nXXXX XXXX XXXXXXXX XXXX XXXX posted during my incarceration are fraudulent. This account never reflected my activity. Restore my record to its accurate state and delete this entry. \nXXXX XXXX XXXX XXXX XXXX activity occurred while I was imprisoned. This item is invalid and must be removed or corrected to show my true account history. \nXXXX XXXX XXXX XXXX recorded here are a result of identity fraud while I was incarcerated. Erase this incorrect information from my file. \nXXXX XXXX XXXX XXXX balance reported is erroneous. Supply proof of the charge-off or adjust the balance to {$0.00} and eliminate any negative status. \nXXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Transactions posted while I was incarcerated are not mine. My identity was compromised in the Experian data breach, and this account was in good standing before the fraud. I insist you remove these unauthorized charges and restore my original status. \nXXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Similar fraudulent activity appears during my incarceration period. I possess documentation verifying both the breach and my custody dates. Please delete these incorrect latepayment records. \nBank Of America ( Account ending in XXXX ) : This account also shows delinquent balances from the same identity theft incident. My prison records confirm I could not have accessed this account. I demand the removal of these false delinquencies. \nUnder the Fair Credit Reporting Act, you are required to complete your investigation within 30 days, correct or delete the disputed items, and furnish written confirmation of the results. I expect prompt resolution of these inaccuracies. \nSincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXX : XXXX XXXX Fraud Victim Assistants Department XXXX. XXXX XXXX, XXXX, PA XXXX Dear XXXX XXXX XXXX XXXX, I am writing to dispute multiple inaccuracies on my credit report. Please investigate and correct or remove the following items : XXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : I have never signed a contract with this collector. Provide documentation from the original creditor confirming their ownership and legal right to collect, or delete this entry. \nXXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : This account reflects fraudulent activity while I was incarcerated and my information was compromised. Prior to that breach, my credit history was clear. Either validate this debt with credible proof or remove it immediately. \nXXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : Similarly, this listing resulted from identity theft during my imprisonment. Confirm its legitimacy or expunge it from my file. \nXXXX. XXXX XXXX ( Acct ending XXXX ) : This account also arose from unauthorized use of my identity while incarcerated. Verify the debt or delete the record. \nXXXX. Bank Of America ( Acct ending XXXX ) : I do not recognize this lender or account. Remove this inaccurate entry without delay. \nXXXX. XXXX XXXX ( Account ending XXXX ) : Fraudulent activity was recorded while I was incarcerated. Documentation from XXXX breach report and my prison records confirm identity theft. I demand deletion of these incorrect charges and full restoration of my prior good standing XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account ending XXXX ) : Unauthorized transactions appeared during my confinement. I possess proof of the XXXX data breach and incarceration paperwork. Remove these erroneous entries and reinstate the account to its accurate status. \nXXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) : Similar fraudulent postings occurred while I was imprisoned. My records verify that I was not responsible for these charges. Erase this false information and correct my credit history Please complete your reinvestigation within the period mandated by the FCRA and correct my credit report accordingly. I expect written confirmation of the outcome. \nSincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX I am writing to dispute several items on my credit report that are not mine and appear to stem from identity theft : XXXX XXXX XXXX ( XXXX XXXX ) : I did not open or authorize this account. Please remove this incorrect entry from my file. \nXXXX XXXX XXXX ( XXXX XXXX ) : I have no knowledge of this account and did not initiate it. Kindly delete it. \nXXXX XXXX XXXX ( XXXX XXXX ) : This entry is unfamiliar and was not opened by me. Please remove it. \nXXXX XXXX XXXX XXXX XXXX ) : While incarcerated, my personal information was compromised, and this account was fraudulently established. I have documentation from XXXX and incarceration records confirming my status. Please correct or delete this listing. \nBank Of America ( XXXX XXXX ) : I do not recognize this lender or any related account. Please remove this entry as well. \nThank you for your understanding and prompt attention to these matters. I respectfully request that you investigate these disputes, correct my credit report accordingly, and provide written confirmation of the actions taken. \nSincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXXSocial Security Number : XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Dispute Department XXXX XXXX am writing to dispute the following inaccurate entries on my credit report. All listed accounts were compromised while I was incarcerated, and I demand their correction or removal based on clear evidence of unauthorized activity. \nXXXX XXXX ( Account ending XXXX ) During my imprisonment, this account was hacked and fraudulent charges were posted. I have documentation from XXXX data breach notification and official records confirming my incarceration. These entries are invalid and must be deleted or corrected immediately. \nXXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) This account was similarly accessed without my consent while I was confined. The unauthorized transactions do not reflect my credit history. I possess Experian breach data and prison records proving my absence. Remove or amend this information without delay. \nXXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) : Unauthorized charges during my imprisonment.XXXX XXXX XXXX XXXX XXXX XXXX ) : Fraudulent activity recorded while I was detained.XXXX XXXX XXXX ( XXXX XXXX ) : Erroneous transactions from the period I was incarceratedXXXX XXXX ( XXXX XXXX ) : Inaccurate account entries made while I was in prison.Bank of America ( XXXX XXXX ) : Unauthorized activity linked to the data breach.Unauthorized activity occurred on this account during my detention. I was in good standing before my information was stolen. I have evidence from XXXX breach report and incarceration documentation. This erroneous data must be expunged.","date_sent_to_company":"2025-06-04T18:35:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85044","tags":null,"has_narrative":true,"complaint_id":"13887899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-04T18:34:39.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I respectfully request that you investigate these disputes, correct my credit report accordingly, and provide written confirmation of the actions taken. \nSincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXXSocial Security Number : XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Dispute Department XXXX XXXX am writing to dispute the following inaccurate entries on my credit report."]},"sort":[12.66893,"13887899"]},{"_index":"complaint-public-v1","_id":"13756993","_score":11.709496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Data Breach Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA XXXX Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( XXXX ) XXXX ( XXXX U.S.C. XXXX ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent. \nAdditionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), Equifax block this fraudulent information appearing on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. \nBe advised that I have submitted complaints with the Consumer Financial Protection Bureau ( XXXX ), the Attorney General XXXXs Office, and the Better Business Bureau regarding this matter. XXXX to block this fraudulent information appearing on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. \nIf these accounts are not removed, or if I do not receive a proper investigation outcome and documentation within XXXX business days, I will pursue legal remedies including but not limited to : XXXX. Defamation XXXX. Negligent Enablement of XXXX Fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Financial Injury XXXX. Penalty of Perjury XXXX. Violations of XXXX U.S.C. XXXX, XXXX XXXX. Violation of Permissible Purpose ( XXXX U.S.C. XXXX ) XXXX. Misleading and False Reporting ( XXXX U.S.C. XXXX ( b ) ) This letter is formally written by myself, XXXX XXXX XXXX XXXX and not by a third party or representative. \nThe following accounts are fraudulent and inaccurate : XXXX. XXXX XXXX XX/XX/XXXXAccount Number : XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX Account Number : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Credit XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX. XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Tx, XXXX The following employer information is inaccurate and should also be removed : XXXX. XXXX XXXX XXXX. XXXX I formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that Equifax block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within XXXX ( XXXX ) business days of receipt of this letter and the attached documentation. \nEnclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Better Business Bureau Complaint Attorney General Complaint Copy of the FCRA XXXX I request written confirmation of the removal and blocking of these accounts and inquiries within XXXX ( XXXX ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX XXXX Affidavit of Identity I, XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Equifax. \nMy residential address is XXXX XXXX XXXX XXXX, Texas. \nMy Social Security XXXX is XXXX. \nMy Date of XXXX is XX/XX/XXXX. \nMy email address is XXXX. \nI declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief. \nI submit this Affidavit of Identity to establish my identity and to further support my formal dispute of the unlawful reinsertion of inaccurate information on my credit report. \n\nXXXX XXXX XXXX XXXX : XX/XX/XXXX 2025","date_sent_to_company":"2025-05-28T07:06:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75115","tags":"Servicemember","has_narrative":true,"complaint_id":"13756993","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-28T06:55:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Data Breach Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA XXXX Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft."],"company":["EQUIFAX, INC."]},"sort":[11.709496,"13756993"]},{"_index":"complaint-public-v1","_id":"11939284","_score":10.113856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security XXXX Subject : DEMAND FOR PERMANENT REMOVAL OF FRAUDULENTLY REINSERTED ACCOUNTS FCRA VIOLATIONS Dear Equifax Disputes Department , I am writing to formally demand the permanent removal of the following fraudulent accounts, which were previously deleted but unlawfully reinserted into my credit report. This violates FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which requires you to notify me in writing within five business days and obtain proper certification before reinserting previously deleted information. Since you failed to do so, these accounts must be immediately and permanently removed. \n\n\n\nDisputed Items Unlawful Reinsertion 1. Account Name : XXXX XXXX ( Auto Loan ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. \n\nRequested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. \n\n2. Account Name : XXXX XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. \n\nRequested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. \n\n3. Account Name : XXXX XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. \n\nRequested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. \n\n4. Account Name : XXXXXXXX XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. \n\nRequested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. \n\n5. Account Name : XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. \n\nRequested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. \n\n\n\nApplicable FCRA Violations 1. FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Prohibition on Reinsertion 2. FCRA 605B [ 15 U.S.C. 1681c-2 ] Blocking of Identity Theft Information 3. FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] Duty to Prevent Reporting of Inaccurate Information 4. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Obligation to Ensure Maximum Possible Accuracy 5. FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] Consumers Right to Documentation 6. FCRA 616 & 617 [ 15 U.S.C. 1681n, 1681o ] Civil Liability for Noncompliance Required Action Permanently delete the accounts listed above from my credit report. \n\nBlock any future reinsertion of these accounts. \n\nProvide me with written confirmation that these accounts have been removed and will not be reinserted. \n\nProvide documentation proving any verification process that led to reinsertion. \n\n\n\nFailure to comply will result in formal legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Office. You are required by law to respond within 30 days. \n\n\n\nThis letter serves as official legal notice. Consider this your final opportunity to correct these violations before I escalate this matter further. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-05T22:50:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30305","tags":null,"has_narrative":true,"complaint_id":"11939284","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T22:42:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security XXXX Subject : DEMAND FOR PERMANENT REMOVAL OF FRAUDULENTLY REINSERTED ACCOUNTS FCRA VIOLATIONS Dear Equifax Disputes Department , I am writing to formally demand the permanent removal of the following fraudulent accounts, which were previously deleted but unlawfully reinserted into"],"company":["EQUIFAX, INC."]},"sort":[10.113856,"11939284"]},{"_index":"complaint-public-v1","_id":"16528565","_score":9.8793955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : IDENTITY THEFT & DATA BREACH DISPUTE FORMAL DEMAND FOR DELETION, VALIDATION, AND ACCOUNT REMOVAL UNDER FCRA 605B & FDCPA 809 ( b ) Dear Credit Bureau Dispute Department, I am writing to formally notify you that I am the victim of identity theft and data breachrelated fraud, which has resulted in the unlawful use of my personally identifiable information ( PII ) and the creation and reporting of fraudulent accounts and inquiries.\n\nThis correspondence serves as a formal dispute, identity theft claim, and demand for full validation, deletion, and investigation pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, 1681i, 1681s-2, and 1681b Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Background and Breach Disclosure My personal dataincluding my name, Social Security number, and date of birthwas compromised as a result of one or more data breaches involving major financial institutions. Since that time, I have observed multiple fraudulent accounts and unauthorized inquiries appearing on my credit reports.\n\nThese items were not created, authorized, or approved by me. I did not open, apply for, or consent to any of these accounts or inquiries. Therefore, they represent identity theft, unlawful use of my personal data, and reporting of false information. \n\nFRAUDULENT ACCOUNTS REPORTED The following accounts, reported under XXXX XXXX XXXX, are unauthorized, fraudulent, and must be deleted immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$520.00} These accounts did not originate from any legitimate transaction with me. I have never received lawful notice of ownership, transfer, or collection activity that complies with FDCPA 809 ( b ).\n\nI hereby demand that these accounts be : Permanently deleted from all credit files, Blocked from future reporting or reinsertion, and Included in your fraud and identity theft database under my name and SSN ( last 4 digits XXXX ). \n\nUNAUTHORIZED CREDIT INQUIRIES ( PERMISSIBLE PURPOSE VIOLATION ) The following entities have accessed my credit report without my consent and without a permissible purpose as defined by FCRA 604 ( 15 U.S.C. 1681b ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( duplicate inquiry ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these inquiries constitutes an unauthorized access and breach of my consumer privacy. I demand immediate deletion and removal of all such inquiries. \n\nAdditionally, please provide documentation for each entity, including : The date, method, and purpose of the inquiry, The application or request bearing my signature, and The identity of the individual or agent who authorized the inquiry. \n\nIf such proof can not be provided, these inquiries must be permanently deleted and recorded as unauthorized access violations. \n\nDEMAND FOR DOCUMENTATION AND VALIDATION For compliance with FCRA 611 ( a ) and FDCPA 809 ( b ), please require each furnisher or data provider ( including XXXX XXXX and affiliated agencies ) to supply the following within 30 days : Original signed contracts, applications, or agreements proving my consent to any account listed. \n\nFull itemized account records including dates of charges, credits, payments, and interest calculations. \n\nProof of ownership/assignment of debt, showing the chain of custody from the original creditor to XXXX XXXX or any collector. \n\nState business license and collection authority documentation for any debt collector reporting in Virginia, as required by law.\n\nDate of first delinquency and original creditor information per FCRA 623 ( a ) ( 5 ).\n\nMethod of verification, including the name, date, and contact information of the furnisher used to verify the disputed information.\n\nIf such documentation can not be produced, federal law requires that these items be deleted and blocked from further reporting.\n\nCONSUMER RIGHTS UNDER FCRA 605B ( Identity Theft Victim Rights ) Under FCRA 605B, when a consumer identifies fraudulent information resulting from identity theft, the credit bureau must : Block the information within four business days of receiving sufficient proof, Cease the reporting of that information, and Notify the furnisher of the fraudulent nature of the account.\n\nPlease consider this notice as sufficient proof of identity theft. Upon request, I can provide : A copy of my government-issued identification, A signed identity theft affidavit, and Any related police or FTC Identity Theft Report documentation.\n\nLEGAL WARNING AND NOTICE OF LIABILITY If any bureau or furnisher : Re-inserts deleted data without proper certification ( FCRA 611 ( a ) ( 5 ) ( B ) ), Fails to reinvestigate properly ( FCRA 611 ( a ) ( 1 ) ), or Reports unverifiable, fraudulent, or inaccurate information ( FCRA 623 ( a ) ), such action constitutes willful noncompliance and subjects the violator to civil liability, damages, and attorneys fees under 15 U.S.C. 1681n1681o.\n\nFailure to comply within the required timeframe will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Virginia Attorney General, and Potential civil action for statutory, actual, and punitive damages.\n\nRequested Action Summary Conduct a full reinvestigation of all disputed accounts and inquiries.\n\nPermanently delete all fraudulent XXXX XXXX entries. \n\nRemove and block all unauthorized inquiries. \n\nProvide written results and verification documentation within 30 days. \n\nApply fraud alert and identity theft block protections to my credit file. \n\nThank you for your immediate cooperation and compliance with federal law. \nPlease send all responses and confirmations in writing to my address listed above. \n\nSincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX","date_sent_to_company":"2025-10-13T00:13:08.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"16528565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-13T00:08:56.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[9.8793955,"16528565"]},{"_index":"complaint-public-v1","_id":"12676264","_score":9.134963,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In this report, I will break down the following key areas as requested : The role of the debt holders receipt from the United States Postal Service ( USPS ). \n\nThe duties and responsibilities of the Consumer Financial Protection Bureau ( CFPB ) in this context. \n\nThe appropriate actions a debt holder should take when there is evidence supporting the claim. \n\nActions to protect the account holder. \n\nHow a debt can be removed from a credit report ( probable cause and regulatory provisions ). \n\nThe responsibilities of credit reporting agencies and the corrective actions that can be taken. \n\nThe provisions and actions from the CFPB, including corrections. \n\nPrimary and secondary credit reporting agency responsibilities. \n\n1. Receipt from the United States Postal Service ( USPS ) as Evidence The receipt from USPS or any other evidence from a government entity, such as the USPS, could be used as evidence in disputes related to debt payments, communications, or deliveries related to account holders. These receipts can serve as documentation proving that a debt holder fulfilled their responsibilities by sending payments or communications, which may serve as evidence to defend against a claim or provide documentation in the context of financial disputes. \n\n2. Duties and Responsibilities of the Consumer Financial Protection Bureau ( CFPB ) The Consumer Financial Protection Bureau ( CFPB ) has a critical role in enforcing consumer protection laws, including those related to debt collection and credit reporting. The CFPB ensures that : Debt collectors comply with the Fair Debt Collection Practices Act ( FDCPA ). \n\nCredit reporting agencies follow guidelines for the accuracy of credit reports under the Fair Credit Reporting Act ( FCRA ). \n\nThe Consumer Financial Protection Act of 2010 enables the CFPB to regulate entities that handle consumer credit and debt-related services to protect consumers from unfair practices. \n\nThe CFPB provides enforcement and oversight to ensure that debt holders, consumers, and reporting agencies comply with regulations that ensure transparency, fairness, and the proper removal or correction of inaccurate or outdated information on credit reports. \n\n3. Action for Debt Holders with Evidence A debt holder who has evidence of fulfilling their responsibilities ( such as payment receipts or evidence of communication from USPS ) can take the following actions : Dispute the debt : Submit a formal dispute to the creditor, debt collector, or credit reporting agency ( CRA ) under FCRA Section 611. The CRA must then investigate within 30 days. \n\nProvide documentation : Provide evidence ( USPS receipt, proof of payment, etc. ) supporting the debt holder 's claim to the creditor, or the CRA during the dispute process. \n\nSubmit complaints : If the dispute is unresolved, a complaint can be submitted to the CFPB. The Bureau will intervene and help mediate between the consumer and the creditor or debt collector. \n\n4. Protection for Account Holders Consumers have specific protections under FCRA and FDCPA, which prevent unfair or inaccurate reporting and collection practices. The following are the protections available to account holders : Fair Debt Collection Practices Act ( FDCPA ) : Prevents debt collectors from engaging in abusive, unfair, or deceptive practices, including harassment and misrepresentation. \n\nFair Credit Reporting Act ( FCRA ) : Provides the right to dispute inaccurate information on credit reports. The law mandates that creditors or debt collectors must correct or delete erroneous data from credit reports. \n\nActions to protect the account holder : Dispute inaccurate debt information through the credit reporting agencies, or directly with the creditor or debt collector. \n\nFile a formal complaint with the CFPB if the issue remains unresolved. \n\n5. Probable Cause for Removal of Debt from Credit Reports A debt can be removed from an account holder 's credit report under the following conditions : Inaccuracy : Under FCRA Section 611, a consumer can dispute inaccuracies, and the CRA is obligated to investigate and correct any errors. If the debt holder provides evidence that the debt is incorrect, it should be removed. \n\nObsolescence : Under FCRA Section 605, negative information like missed payments, defaults, or charged-off debts must be removed after XXXX years, and bankruptcies after XXXX years. \n\nDebt Validation : Under FDCPA Section 809, a consumer can request verification of the debt. If the debt collector can not validate the debt, the account should be removed from the credit report. \n\nFraudulent Charges : If the debt was incurred due to identity theft or fraud, the consumer can request the removal of the debt from their credit report. \n\n6. Responsibilities of Credit Reporting Agencies Credit reporting agencies ( CRAs ) are required to : Maintain accurate and up-to-date information : As outlined in FCRA Section 607, CRAs must ensure that the information they report is accurate and fair. \n\nInvestigate disputes : Under FCRA Section 611, CRAs must investigate any disputes related to the accuracy of credit report information within 30 days. If an item is found to be incorrect, the CRA must delete or correct it. \n\nProvide the consumer with information : Upon the resolution of a dispute, CRAs must notify the consumer of the result and provide them with a free copy of the updated credit report. \n\n7. Provisions and Actions from the CFPB The CFPB enforces consumer rights in this context by ensuring compliance with FCRA, FDCPA, and other relevant laws. If a consumer experiences problems with debt collection or inaccurate credit reporting, they can : File a complaint with the CFPB, which will then investigate the issue and take corrective action as needed. \n\nWork with debt collectors and credit reporting agencies to mediate disputes and ensure compliance with consumer protection laws. \n\nThe CFPB can enforce penalties or corrective actions, including fines or penalties against non-compliant entities. \n\n8. Corrective Actions for the Debt Holder To rectify the situation and ensure that the debt is removed from their credit report, the debt holder should : Request validation of the debt and provide any necessary proof that the debt is either settled, inaccurate, or fraudulent. \n\nDispute the debt directly with the credit reporting agency or debt collector, providing evidence of payment or other documentation. \n\nFile a complaint with the CFPB if the issue is not resolved after disputes with the creditor or CRA. \n\nSeek legal counsel if necessary, especially if the debt has resulted in significant negative impacts on their credit report or financial situation. \n\nRelevant Sections of Law ( Consumer Financial Protection Bureau Website ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 Consumer Financial Protection Act of 2010 : Public Law 111-203 You can access these regulations directly on the CFPB website or through the official U.S. government website for legal code. \n\nFor more in-depth information on each of these regulations, visit : CFPB Laws and Regulations : CFPB official site 1. Debt Collection and Verification Requirements : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide specific information about a debt. Within five days of initial contact, they must send a written notice detailing : The amount of the debt. \n\nThe name of the creditor. \n\nA statement informing you of your right to dispute the debt within 30 days. \nXXXXXXXX XXXX XXXX +6 Consumer Financial Protection Bureau +6 Consumer Advice +6 If you dispute the debt in writing within this 30-day period, the collector must cease collection efforts until they provide verification of the debt. This verification might include a copy of the original bill or a judgment. It's advisable to send your dispute letter via certified mail and retain copies for your records. \nConsumer Financial Protection Bureau +3 Consumer Advice +3 Consumer Financial Protection Bureau +3 2. Responsibilities of Credit Reporting Agencies ( CRAs ) : The Fair Credit Reporting Act ( FCRA ) outlines the duties of CRAs regarding consumer disputes : XXXX +1 Consumer Finance.gov +1 Investigation of Disputes : Upon receiving a dispute from a consumer, CRAs are required to conduct a reasonable investigation unless the dispute is deemed frivolous or irrelevant. If they find the information to be inaccurate, they must promptly notify each CRA to which they provided the inaccurate information and provide necessary corrections. \nConsumer Financial Protection Bureau 3. Updating Personal Information with CRAs : If your phone has been stolen and you can not receive verification codes to update your information online, consider the following steps : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \nXXXX +6 XXXX Credit Report +6 XXXX Credit Report +6 XXXX : You can change your freeze settings over the phone by calling XXXX. They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX 4. Addressing Identity Theft : If your Social Security card and other identification documents have been stolen : Place Fraud Alerts and Credit Freezes : Contact all major CRAsEquifax, XXXX, XXXX, and XXXX place fraud alerts or credit freezes on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity. \n\nReport to Authorities : File a report with your local police department and the Federal Trade Commission ( FTC ) via IdentityTheft.gov. \n\n5. Challenges with Verification Codes and Customer Service : If you're unable to access customer service representatives directly and automated systems require verification codes sent to a stolen phone : Written Communication : Consider sending a detailed letter explaining your situation, including copies of identification documents, to the CRAs via certified mail. \n\nIn-Person Verification : Some CRAs may offer in-person services or notarized verification processes. Check their official websites or contact them for specific procedures. \n\n6. Additional Considerations : Documentation : When sending sensitive documents like your Social Security card or birth certificate, ensure you're using secure methods and only provide copies unless originals are specifically required. \n\nTimeliness : Be aware of any deadlines for disputing debts or reporting identity theft to ensure your rights are protected. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out to the CFPB directly through their official channels. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Information on Consumer Rights and Requirements for Credit Reporting and Identity Verification Dear Consumer Financial Protection Bureau, I am writing to formally request information regarding the rules, regulations, laws, and requirements that govern primary and secondary debt holders under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Specifically, I seek clarification on the formal process required when submitting a request for credit reports, particularly when supporting documents such as a Social Security card, birth certificate, identification issued by health and human services, and other forms of personal verification are included. \n\nAdditionally, I request information on : Debt Holder Responsibilities : The obligations of both primary and secondary debt holders in verifying and processing consumer requests for credit information. \n\nCredit Reporting Agency ( CRA ) Obligations : The responsibilities of XXXX, Equifax, XXXX, XXXX, XXXX XXXX, and XXXX in responding to requests from individuals when proper identification has been provided, including photographic documentation of Social Security cards and identification. \n\n30-Day Response Requirement : Whether any legal obligations exist for CRAs to respond within 30 days to such formal credit report requests and any recourse available if they fail to do so. \n\nIdentity Theft and Account Recovery : The policies and procedures governing the update of consumer information when a registered phone number associated with an account has been stolen. This includes guidance for cases where customer service representatives are inaccessible and login recovery options require a verification code sent to the original phone number on file, preventing account updates. \n\nAlternative Methods of Identity Verification : Accepted forms of identity verification when phone-based verification is not an option, particularly in cases where a consumers personal data and phone number have been compromised. \n\nI kindly request a comprehensive response outlining the legal framework, consumer rights, and responsibilities of the aforementioned entities in these matters. Please provide any official regulations, procedural guidelines, or additional steps that I may take to ensure compliance with the law while securing my financial information. \n\nI have enclosed copies of the necessary identifying documents for verification purposes and have included a pre-addressed return envelope for your response. If further documentation or clarification is required, please inform me at your earliest convenience. \n\nThank you for your time and assistance. I look forward to your response. \n\nSincerely, XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) enforces several laws that outline the responsibilities of debt collectors and credit reporting agencies ( CRAs ) when handling consumer information and requests. Here 's an overview : 1. Debt Collector Obligations : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must : Provide Validation Information : Within five days of initial contact, they must send a written notice detailing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within 30 days. \nFederal Trade Commission Cease Collection Upon Dispute : If a consumer disputes the debt in writing within the 30-day period, the collector must halt collection efforts until they provide verification of the debt. \n\n2. Credit Reporting Agencies ' Responsibilities : The Fair Credit Reporting Act ( FCRA ) mandates that CRAs : Investigate Disputes Promptly : Upon receiving a dispute, CRAs are required to investigate and correct any inaccuracies found in the consumer 's file, typically within 30 days. \nConsumer Finance.gov Maintain Accurate Information : CRAs must adopt reasonable procedures to ensure the accuracy of the information they report. \nXXXX 3. Updating Personal Information : If your phone is stolen and you're unable to receive verification codes for updating your information : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \n\nXXXX : You can place a fraud alert online or by phone, which can assist in updating your contact information. \nXXXX XXXX : To request a credit report or update information, visit their website for instructions. \nXXXX 4. Identity Theft Considerations : In cases of identity theft involving stolen Social Security cards and other identification : Immediate Actions : Report the theft to the authorities and place fraud alerts or credit freezes with all major CRAs to prevent new accounts from being opened in your name. \nExperian Credit Report Documentation : When communicating with CRAs, provide copies of identifying documents and a detailed explanation of your situation. \n\nAlternative Verification Methods : If standard verification methods are inaccessible due to stolen devices, inquire about alternative methods such as in-person verification or notarized documents. \n\n5. Additional Credit Reporting Agencies : XXXX XXXX XXXX : A consumer reporting agency that provides consumer reports and credit scores to various companies. \nXXXX XXXX XXXX +1 XXXX +1 XXXX XXXX XXXX XXXX XXXX ) : A subsidiary of Visa that collects information on credit card and bank card approvals and denials. \nXXXX XXXX XXXX, XXXX. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out directly to the CFPB.","date_sent_to_company":"2025-03-26T22:26:21.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"12676264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-26T21:59:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX 4. Addressing Identity Theft : If your Social Security card and other identification documents have been stolen : Place Fraud Alerts and Credit Freezes : Contact all major CRAsEquifax, XXXX, XXXX, and XXXX place fraud alerts or credit freezes on your accounts. This action helps prevent new accounts from being opened in your name."],"company":["EQUIFAX, INC."]},"sort":[9.134963,"12676264"]},{"_index":"complaint-public-v1","_id":"12676948","_score":8.714894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In this report, I will break down the following key areas as requested : The role of the debt holders receipt from the United States Postal Service ( USPS ).\n\nThe duties and responsibilities of the Consumer Financial Protection Bureau ( CFPB ) in this context. \n\nThe appropriate actions a debt holder should take when there is evidence supporting the claim. \n\nActions to protect the account holder. \n\nHow a debt can be removed from a credit report ( probable cause and regulatory provisions ). \n\nThe responsibilities of credit reporting agencies and the corrective actions that can be taken. \n\nThe provisions and actions from the CFPB, including corrections. \n\nPrimary and secondary credit reporting agency responsibilities. \n\n1. Receipt from the United States Postal Service ( USPS ) as Evidence The receipt from USPS or any other evidence from a government entity, such as the USPS, could be used as evidence in disputes related to debt payments, communications, or deliveries related to account holders. These receipts can serve as documentation proving that a debt holder fulfilled their responsibilities by sending payments or communications, which may serve as evidence to defend against a claim or provide documentation in the context of financial disputes.\n\n2. Duties and Responsibilities of the Consumer Financial Protection Bureau ( CFPB ) The Consumer Financial Protection Bureau ( CFPB ) has a critical role in enforcing consumer protection laws, including those related to debt collection and credit reporting. The CFPB ensures that : Debt collectors comply with the Fair Debt Collection Practices Act ( FDCPA ).\n\nCredit reporting agencies follow guidelines for the accuracy of credit reports under the Fair Credit Reporting Act ( FCRA ).\n\nThe Consumer Financial Protection Act of 2010 enables the CFPB to regulate entities that handle consumer credit and debt-related services to protect consumers from unfair practices. \n\nThe CFPB provides enforcement and oversight to ensure that debt holders, consumers, and reporting agencies comply with regulations that ensure transparency, fairness, and the proper removal or correction of inaccurate or outdated information on credit reports. \n\n3. Action for Debt Holders with Evidence A debt holder who has evidence of fulfilling their responsibilities ( such as payment receipts or evidence of communication from USPS ) can take the following actions : Dispute the debt : Submit a formal dispute to the creditor, debt collector, or credit reporting agency ( CRA ) under FCRA Section 611. The CRA must then investigate within 30 days.\n\nProvide documentation : Provide evidence ( USPS receipt, proof of payment, etc. ) supporting the debt holder 's claim to the creditor, or the CRA during the dispute process.\n\nSubmit complaints : If the dispute is unresolved, a complaint can be submitted to the CFPB. The Bureau will intervene and help mediate between the consumer and the creditor or debt collector.\n\n4. Protection for Account Holders Consumers have specific protections under FCRA and FDCPA, which prevent unfair or inaccurate reporting and collection practices. The following are the protections available to account holders : Fair Debt Collection Practices Act ( FDCPA ) : Prevents debt collectors from engaging in abusive, unfair, or deceptive practices, including harassment and misrepresentation. \n\nFair Credit Reporting Act ( FCRA ) : Provides the right to dispute inaccurate information on credit reports. The law mandates that creditors or debt collectors must correct or delete erroneous data from credit reports.\n\nActions to protect the account holder : Dispute inaccurate debt information through the credit reporting agencies, or directly with the creditor or debt collector.\n\nFile a formal complaint with the CFPB if the issue remains unresolved.\n\n5. Probable Cause for Removal of Debt from Credit Reports A debt can be removed from an account holder 's credit report under the following conditions : Inaccuracy : Under FCRA Section 611, a consumer can dispute inaccuracies, and the CRA is obligated to investigate and correct any errors. If the debt holder provides evidence that the debt is incorrect, it should be removed. \n\nObsolescence : Under FCRA Section 605, negative information like missed payments, defaults, or charged-off debts must be removed after seven years, and bankruptcies after ten years.\n\nDebt Validation : Under FDCPA Section 809, a consumer can request verification of the debt. If the debt collector can not validate the debt, the account should be removed from the credit report.\n\nFraudulent Charges : If the debt was incurred due to identity theft or fraud, the consumer can request the removal of the debt from their credit report.\n\n6. Responsibilities of Credit Reporting Agencies Credit reporting agencies ( CRAs ) are required to : Maintain accurate and up-to-date information : As outlined in FCRA Section 607, CRAs must ensure that the information they report is accurate and fair.\n\nInvestigate disputes : Under FCRA Section 611, CRAs must investigate any disputes related to the accuracy of credit report information within 30 days. If an item is found to be incorrect, the CRA must delete or correct it. \n\nProvide the consumer with information : Upon the resolution of a dispute, CRAs must notify the consumer of the result and provide them with a free copy of the updated credit report. \n\n7. Provisions and Actions from the CFPB The CFPB enforces consumer rights in this context by ensuring compliance with FCRA, FDCPA, and other relevant laws. If a consumer experiences problems with debt collection or inaccurate credit reporting, they can : File a complaint with the CFPB, which will then investigate the issue and take corrective action as needed.\n\nWork with debt collectors and credit reporting agencies to mediate disputes and ensure compliance with consumer protection laws.\n\nThe CFPB can enforce penalties or corrective actions, including fines or penalties against non-compliant entities.\n\n8. Corrective Actions for the Debt Holder To rectify the situation and ensure that the debt is removed from their credit report, the debt holder should : Request validation of the debt and provide any necessary proof that the debt is either settled, inaccurate, or fraudulent.\n\nDispute the debt directly with the credit reporting agency or debt collector, providing evidence of payment or other documentation. \n\nFile a complaint with the CFPB if the issue is not resolved after disputes with the creditor or CRA.\n\nSeek legal counsel if necessary, especially if the debt has resulted in significant negative impacts on their credit report or financial situation.\n\nRelevant Sections of Law ( Consumer Financial Protection Bureau Website ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 Consumer Financial Protection Act of 2010 : Public Law 111-203 You can access these regulations directly on the CFPB website or through the official U.S. government website for legal code.\n\nFor more in-depth information on each of these regulations, visit : CFPB Laws and Regulations : CFPB official site 1. Debt Collection and Verification Requirements : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide specific information about a debt. Within five days of initial contact, they must send a written notice detailing : The amount of the debt. \n\nThe name of the creditor. \n\nA statement informing you of your right to dispute the debt within 30 days. \nXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Consumer Advice XXXX If you dispute the debt in writing within this 30-day period, the collector must cease collection efforts until they provide verification of the debt. This verification might include a copy of the original bill or a judgment. It's advisable to send your dispute letter via certified mail and retain copies for your records. \nConsumer Financial Protection Bureau XXXX Consumer Advice XXXX Consumer Financial Protection Bureau XXXX XXXX. Responsibilities of Credit Reporting Agencies ( CRAs ) : The Fair Credit Reporting Act ( FCRA ) outlines the duties of CRAs regarding consumer disputes : EPIC XXXX Consumer Finance.gov XXXX Investigation of Disputes : Upon receiving a dispute from a consumer, CRAs are required to conduct a reasonable investigation unless the dispute is deemed frivolous or irrelevant. If they find the information to be inaccurate, they must promptly notify each CRA to which they provided the inaccurate information and provide necessary corrections. \nConsumer Financial Protection Bureau XXXX. Updating Personal Information with CRAs : If your phone has been stolen and you can not receive verification codes to update your information online, consider the following steps : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \nXXXX XXXX XXXX Credit Report XXXX XXXX Credit Report XXXX XXXX : You can change your freeze settings over the phone by calling XXXX. They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX XXXX. Addressing Identity Theft : If your Social Security card and other identification documents have been stolen : Place Fraud Alerts and Credit Freezes : Contact all XXXX CRAsEquifax, XXXX, XXXX, and XXXX place fraud alerts or credit freezes on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity. \n\nReport to Authorities : File a report with your local police department and the Federal Trade Commission ( FTC ) via IdentityTheft.gov. \n\n5. Challenges with Verification Codes and Customer Service : If you're unable to access customer service representatives directly and automated systems require verification codes sent to a stolen phone : Written Communication : Consider sending a detailed letter explaining your situation, including copies of identification documents, to the CRAs via certified mail.\n\nIn-Person Verification : Some CRAs may offer in-person services or notarized verification processes. Check their official websites or contact them for specific procedures.\n\n6. Additional Considerations : Documentation : When sending sensitive documents like your Social Security card or birth certificate, ensure you're using secure methods and only provide copies unless originals are specifically required. \n\nTimeliness : Be aware of any deadlines for disputing debts or reporting identity theft to ensure your rights are protected. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out to the CFPB directly through their official channels. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Information on Consumer Rights and Requirements for Credit Reporting and Identity Verification Dear Consumer Financial Protection Bureau, I am writing to formally request information regarding the rules, regulations, laws, and requirements that govern primary and secondary debt holders under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Specifically, I seek clarification on the formal process required when submitting a request for credit reports, particularly when supporting documents such as a Social Security card, birth certificate, identification issued by health and human services, and other forms of personal verification are included. \n\nAdditionally, I request information on : Debt Holder Responsibilities : The obligations of both primary and secondary debt holders in verifying and processing consumer requests for credit information.\n\nCredit Reporting Agency ( CRA ) Obligations : The responsibilities of XXXX, XXXX, XXXX, XXXX, Advanced Resolution, and XXXX in responding to requests from individuals when proper identification has been provided, including photographic documentation of Social Security cards and identification. \n\n30-Day Response Requirement : Whether any legal obligations exist for CRAs to respond within 30 days to such formal credit report requests and any recourse available if they fail to do so. \n\nIdentity Theft and Account Recovery : The policies and procedures governing the update of consumer information when a registered phone number associated with an account has been stolen. This includes guidance for cases where customer service representatives are inaccessible and login recovery options require a verification code sent to the original phone number on file, preventing account updates. \n\nAlternative Methods of Identity Verification : Accepted forms of identity verification when phone-based verification is not an option, particularly in cases where a consumers personal data and phone number have been compromised. \n\nI kindly request a comprehensive response outlining the legal framework, consumer rights, and responsibilities of the aforementioned entities in these matters. Please provide any official regulations, procedural guidelines, or additional steps that I may take to ensure compliance with the law while securing my financial information.\n\nI have enclosed copies of the necessary identifying documents for verification purposes and have included a pre-addressed return envelope for your response. If further documentation or clarification is required, please inform me at your earliest convenience. \n\nThank you for your time and assistance. I look forward to your response. \n\nSincerely, XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) enforces several laws that outline the responsibilities of debt collectors and credit reporting agencies ( CRAs ) when handling consumer information and requests. Here 's an overview : 1. Debt Collector Obligations : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must : Provide Validation Information : Within five days of initial contact, they must send a written notice detailing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within 30 days. \nFederal Trade Commission Cease Collection Upon Dispute : If a consumer disputes the debt in writing within the 30-day period, the collector must halt collection efforts until they provide verification of the debt.\n\n2. Credit Reporting Agencies ' Responsibilities : The Fair Credit Reporting Act ( FCRA ) mandates that CRAs : Investigate Disputes Promptly : Upon receiving a dispute, CRAs are required to investigate and correct any inaccuracies found in the consumer 's file, typically within 30 days.\n\nConsumer Finance.gov Maintain Accurate Information : CRAs must adopt reasonable procedures to ensure the accuracy of the information they report.\n\nFFIEC 3. Updating Personal Information : If your phone is stolen and you're unable to receive verification codes for updating your information : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \n\nXXXX : You can place a fraud alert online or by phone, which can assist in updating your contact information. \nXXXX XXXX : To request a credit report or update information, visit their website for instructions. \nXXXX XXXX. Identity Theft Considerations : In cases of identity theft involving stolen Social Security cards and other identification : Immediate Actions : Report the theft to the authorities and place fraud alerts or credit freezes with all major CRAs to prevent new accounts from being opened in your name. \nExperian Credit Report Documentation : When communicating with CRAs, provide copies of identifying documents and a detailed explanation of your situation. \n\nAlternative Verification Methods : If standard verification methods are inaccessible due to stolen devices, inquire about alternative methods such as in-person verification or notarized documents. \n\nXXXX. Additional Credit Reporting Agencies : XXXX XXXX XXXX : A consumer reporting agency that provides consumer reports and credit scores to various companies. \nXXXX XXXX XXXX XXXX XXXX XXXX Advanced Resolution Services ( ARS ) : A subsidiary of XXXX that collects information on credit card and bank card approvals and denials. \nXXXX XXXX XXXX, XXXX. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out directly to the CFPB.","date_sent_to_company":"2025-03-26T22:26:22.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"12676948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2025-03-26T22:25:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Credit Report XXXX XXXX Credit Report XXXX XXXX : You can change your freeze settings over the phone by calling XXXX. They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX XXXX."]},"sort":[8.714894,"12676948"]},{"_index":"complaint-public-v1","_id":"8419338","_score":5.7595234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Pa XXXX. \n\n\n\nThis my third CFPB complaint. I also filed some FTC/ Identity Theft as well certified false info to furnishers with National Credit Bureaus XXXX XXXX EQUIFAX XXXX XXXX and thirds parties that is on my credit report believes they are ABOVE the law and Refuse to give me my documentation used, signed application with consumer wet ink signature. Refuse to update the accurate info, delete the inaccuracies with Identity Theft and block these companies. \n\n\n\nXXXX XXXX XXXXXXXX XXXX is obligated by the FCRA to report accurate accounting. The consumer has advised ALL the inquires, accounts and reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number. I will be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. SEC file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. XXXX XXXXXXXX XXXX XXXX subsidiary XXXX XXXX XXXX HAPPILY VIOLATED the SEC filing and failed to simultaneously satisfy the filing obligation of the registrant under any of the following provisions : Pursuant to Section 13 OR 15 ( d ) of The Securities Exchange Act of 1934 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Section 604 of the FCRA, 15 U .S.C. 168 1b, prohibits a consumer reporting agency from furnishing a consumer report except for specified \" permissible purposes. '' Your practice was, and is, an unfair act or practice in or affecting commerce in violation of Section 5 ( a ) of the Federal Trade Commission Act, 1 5 US C. 45 ( a ) 15 U.S.C. 1681b ( f ). FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ) 16 C.F.R. ' 603.2 ( a ) Identity Fraud 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) 18 U.S.C. 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. XXXX violated the Dodd-Frank Wall Street Reform and Consumer Protection Act by deceiving me about the use of my credit scores being sold with my consent and not benefiting from it. 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater and will be a claim for pain and suffering damages. 15 U.S. Code 1666b. Timing of payment violation to request the removal of late payments from my credit report and update as paid as agreed. A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Privacy Act of 1974 as amended. 5 U.S.C. 552 is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education My student loans amounts on my credit report is a direct violation of my privacy and amount shouldnt be on my credit report. I am requesting all payments to paid as agreed status. FTC identity thief. 5 usc 522a. A charge off is considered as a Certificate of Indebtedness. Which is income. Income doesnt belong on my credit. I am requesting to keep these accounts on my credit report updated to be paid as agreed. 15 U.S. Code 1637 - Open end consumer credit report https : //www.identitytheft.gov/assets/pdf/FTC_Notice_To_Furnishers.pdf https : //consumer.ftc.gov/system/files/consumer_ftc_gov/pdf/fcra-605b.pdf XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is obligated by the FCRA to report accurate accounting. The consumer has advised ALL the inquires, accounts and reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing the form 211 treasury omb forms to audit my consumer account. XXXX Commission file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. Bureau of Consumer Financial Protection XXXX XXXX XXXXXXXX XXXX XXXX, DC XXXX. Federal Trade Commission Consumer Response CenteXXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Federal Reserve Consumer Help Center XXXX XXXX XXXX XXXX, MN. XXXX Division of Depositor and Consumer Protection National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX. National Credit Union Administration Office of Consumer Financial ProtectioXXXX XXXX XXXX XXXX XXXX, VA XXXX. Assistant General Counsel for Office of Aviation ConsumXXXX Protection Department of Transportation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX. Office of Public Assistance, Governmental Affairs, and Compliance Surface Transportation Board XXXX XXXX XXXX XXXX XXXX DC XXXX. Associate Administrator, Office of Capital Access United States Small Business Administration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Securities and Exchange Commission XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX. Farm Credit Administration. XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX HAPPILY VIOLATED the SEC filing agreement and failed to simultaneously satisfy the filing obligation of the registrant under any of the following provisions : Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Section 604 of the FCRA, 15 U .S.C. 168 1b, prohibits a consumer reporting agency from furnishing a consumer report except for specified \" permissible purposes. '' Your practice was, and is, an unfair act or practice in or affecting commerce in violation of Section 5 ( a ) of the Federal Trade Commission Act, 1 5 US C. 45 ( a ) 15 U.S.C. 1681b ( f ). FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ) 16 C.F.R. ' 603.2 ( a ) Identity Fraud 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) 18 U.S.C. 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. \n\nXXXX violated the XXXX XXXX XXXX XXXX and Consumer Protection Act by deceiving me about the use of my credit scores being sold with my consent and not benefiting from it.\n\n15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n15 U.S. Code 1666b. Timing of payment violation to request the removal of late payments from my credit report and update as paid as agreed.\n\nA creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Privacy Act of 1974 as amended. 5 U.S.C. 552 is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education!! My student loans amounts on my credit report is a direct violation of my privacy and amount shouldnt be on my credit report. I am requesting all payments to paid as agreed status.\n\nFTC identity thief. 5 usc 522a.\n\n12 CFR part 1026 Truth in Lending ( Regulation Z ) 15 U.S.Code 1666 Correction of billing errors A charge off is considered as a Certificate of Indebtedness. Which is income. Income doesnt belong on my credit. I am requesting to keep these accounts on my credit reports to be updated to be paid as agreed. \n\n\n\n\n\n\n\nXXXX XXXX Addresses Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regular Inquiries : 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Requesting to be deleted and blocked Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchandise Write-Off Transactions in the Last 5 Years : 0 Club and Subscription Amount sent to Collections in the Last 5 years : {$0.00} Orders in the Last Year : {$0.00} Requested on : XXXX EQUIFAX!! \n\nXXXX XXXX Also known as XXXX XXXX Generational identi, er - Year of birth XXXX Addresses Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Charge off/income.. Fraud/ Violations XXXX XXXX XXXX update as pay as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account info Inquiries are promotional and violation on your SEC agreement Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 )!! Must be removed and delete with 4 days XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : All Banks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX By mail only This inquiry is scheduled to continue on record until XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Type : Specialty - Shoe, Hat, Etc. \n\nThis inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX Addresses XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX PA XXXX XXXX Address ID # XXXX Single family Year of Birth XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID XXXX XXXX Single family Spouse or Co-Applicant XXXX remove name. Identity theft. Remove. \n\nXXXXXXXX XXXX XXXX XXXX. XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$14000.00} written off. {$6700.00} past due as of {$6700.00} XX/XX/XXXX. \n\n\n\n\n\n\n\nXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Pa XXXX. \n\n\n\nDear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount above. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).\n\nEnclosed are copies of [ use this sentence to describe any enclosed information, such as sales slips, payment records ] supporting my position. Please investigate this matter and correct the billing error as soon as possible. Thank you in advance.\n\nDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.\n\n[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.\n\nA copy of my Identity Theft Report and proof of my identity.\n\nA copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.\n\nI appreciate your prompt attention to this matter, and await your reply. \n\n\n\nIdentity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Sent from my XXXX","date_sent_to_company":"2024-02-26T08:57:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17110","tags":null,"has_narrative":true,"complaint_id":"8419338","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-26T08:57:44.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX XXXX. XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$14000.00} written off. {$6700.00} past due as of {$6700.00} XX/XX/XXXX. \n\n\n\n\n\n\n\nXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Pa XXXX. \n\n\n\nDear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount above. I am a victim of identity theft, and I did not make or authorize this charge."],"company":["EQUIFAX, INC."]},"sort":[5.7595234,"8419338"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":25,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":25}]}},"product":{"doc_count":25,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":22}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}}]}},"issue":{"doc_count":25,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":9},{"key":"Personal information incorrect","doc_count":6},{"key":"Account information incorrect","doc_count":2},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":25,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":25}]}},"company_response":{"doc_count":25,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":13},{"key":"Closed with explanation","doc_count":12}]}},"submitted_via":{"doc_count":25,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":25}]}},"company":{"doc_count":25,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":18},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"Kikoff Inc.","doc_count":1}]}},"state":{"doc_count":25,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":6},{"key":"TX","doc_count":6},{"key":"CA","doc_count":2},{"key":"GA","doc_count":2},{"key":"MI","doc_count":2},{"key":"AZ","doc_count":1},{"key":"DE","doc_count":1},{"key":"NY","doc_count":1},{"key":"OH","doc_count":1},{"key":"PA","doc_count":1},{"key":"SC","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":25,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":25,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":2},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}