Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address on File : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, PA XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute, Cease and Desist, and Notice of Damages Fraudulent Accounts, False Late Payments, and Unauthorized Inquiries To Whom It XXXX Concern, I am writing with urgency, frustration, and emotional distress regarding multiple fraudulent accounts, false late payments, and unauthorized inquiries that have been placed on my credit reports. These items are not mine, are the result of identity theft, and have caused me severe and ongoing harm. 
I am formally disputing the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts were falsely reported with XXXX late payments from XXXX through XX/XX/XXXX and XXXX months of charge-off reporting even though I never opened or authorized these accounts. 
I am disputing the following incorrect late payment reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Both accounts show inaccurate XX/XX/XXXX late payments which are factually false and damaging. 
I am also disputing the following unauthorized and fraudulent inquiries. 
ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Your reporting and failure to correct these items violate multiple sections of the Fair Credit Reporting Act including XXXX XXXX. XXXX for reporting information known to be inaccurate, XXXX ( b ) for failing to maintain maximum possible accuracy, XXXX for failing to properly reinvestigate within 30 days, and XXXX for obtaining or furnishing my report without authorization. If any debt collector has reported or pursued these fraudulent accounts, this XXXX also violate the Fair Debt Collection Practices Act. 
This letter serves as a formal cease and desist. You must immediately stop reporting, verifying, or sharing these fraudulent accounts, inaccurate late payments, and unauthorized inquiries. 
You have XXXX calendar days from the date this letter is received to complete a full reinvestigation, permanently delete all fraudulent accounts, false late payments, and unauthorized inquiries, and provide written confirmation that these deletions have been completed. Failure to comply will result in escalation to the CFPB, FTC, and the Texas Attorney XXXX XXXX, as well as civil litigation. 
Your violations have caused emotional distress, anxiety, financial disruptions, and denial of credit opportunities. Under the Fair Credit Reporting Act, I am entitled to seek statutory damages of {$100.00} to {$1000.00} per violation, actual damages which XXXX range from {$1000.00} to more than {$50000.00} depending on provable harm, punitive damages ranging from {$10000.00} to more than {$100000.00} for willful misconduct, and full attorney fees and court costs. Given the multiple fraudulent accounts, false late payments, duplicate entries, continued reporting, and more than XXXX unauthorized inquiries, your violations XXXX expose you to total liability ranging from {$10000.00} to {$75000.00} or more, and potentially exceeding {$100000.00} if willful misconduct is documented. This letter and all supporting documentation have been notarized and preserved as evidence for litigation. Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation