Waleid Taher
2138 candlenut Cir
Apopka FL 32712
May 9,2025
Equifax: P.O. Box 740256, Atlanta, GA 30348
,Experian: P.O. Box 4500, Allen, TX 75013,
TransUnion P.O. Box 2000, Chester, PA 19016
Subject: Dispute of Fraudulent Accounts Due to Identity Theft
Dear Dispute Department & Fraud Department
I am writing to formally dispute the following accounts and inquiries on my credit report, as I am
a victim of identity theft. I did not authorize or open any of these accounts or inquiries, and I
request that they be blocked and removed from my credit file immediately. I have already
notified the Federal Trade Commission (FTC) regarding this fraudulent activity.
Below are the details of the accounts and inquiries in question:
**Accounts and Inquiries:**
1. **Apple Card / GS Bank USA**
- Account Number: 120001XXXXXXXXXX
- Type: Credit Card
- Status: Closed, $344 past due as of April 2025
- Balance: $4,114
- Date Opened: 10/25/2021
- Inquired on: 04/05/2025 (on record until May 2027)
2. **US Bank DS Northeast**
- Account Number: [Redacted for privacy if necessary]
- Type: Credit Card
- Inquired on: 04/05/2025 (on record until May 2027)
3. **PNC Bank**
- Account Number: [Redacted]
- Inquired on: 03/29/2025 (on record until April 2027)
4. **Santander Consumer USA**
- Account Number: [Redacted]
- Inquired on: 03/19/2025 (on record until April 2027)
5. **Onemain**
- Account Number: [Redacted]
- Inquired on: 02/11/2025 (on record until March 2027)
6. **AmeriCredit Financial Services**
- Account Number: [Redacted]
- Inquired on: 01/16/2025 (on record until Feb 2027)
7. **NCC/CCC/SG**
- Inquired on: 03/16/2024 (on record until April 2026)
8. **Cap One NA**
- Inquired on: 06/24/2023 (on record until July 2025)
9. **Experian Business Credit**
- Inquired on: 06/20/2023 and 05/04/2023 (on record until July 2025 and June 2025,
respectively)
10. **FNB Omaha**
- Inquired on: 05/16/2023 (on record until June 2025)
11. **Comenity Capital / NFLV**
- Inquired on: 05/01/2023 (on record until June 2025)
**Additional Accounts:**
- **Mercedes-Benz Financial Services**
- Account Number: 500241XXXXXXX
- Type: Auto Loan
- Status: Open, balance $100,829 as of April 2025
- **Associ Credit Services**
- Account Number: 205091XX
- Type: Collection
- Status: Collection, $752 past due as of May 2025
- **Midland Credit Management**
- Account Number: 32915XXXX
- Type: Debt Buyer
- Status: Collection, $2,530 past due as of May 2025
I respectfully request that all accounts and inquiries listed above be thoroughly investigated, and
if confirmed to be fraudulent, they should be blocked and removed from my credit report as per
the Fair Credit Reporting Act (FCRA). I have attached a copy of the FTC Identity Theft Report
for your reference.
Please send me written confirmation once these fraudulent accounts and inquiries have been
removed or corrected.
Thank you for your prompt attention to this urgent matter.
Sincerely,
Waleid Taher
