Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Equifax, Experian, TransUnion ( via CFPB transmission or direct CC ) Subject : Formal Complaint : Unresolved Inaccurate Credit Reporting, Identity Theft, and FCRA Violations To Whom It May Concern : I am submitting this formal dispute and complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission Act ( FTCA ), and the Maryland Consumer Credit Reporting Agencies Act ( MCCRAA ) by Equifax, Experian, and TransUnion. Despite multiple disputes and documentation sent through the CFPB and FTC beginning XX/XX/XXXX, these violations remain uncorrected, and I have not received a legally compliant resolution. 

1. Reporting of Closed Accounts as Active with Delinquencies Multiple accounts that have been closed for several years ( including but not limited to : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, and others ) continue to report as if they are active or show delinquent payment history. This is a violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete inaccurate, incomplete, or unverifiable information after dispute ; 15 U.S.C. 1681c ( a ) ( 4 ) Prohibiting the reporting of accounts with delinquencies older than 7 years ; MD Code, Commercial Law 14-1206 Requiring the deletion of inaccurate or outdated consumer credit information.

These accounts report {$0.00} balances, were allegedly written off, or sold, and are no longer collectible or my responsibilityyet continue to damage my credit profile. 

2. Continued Reporting of Identity Theft Accounts Despite Documentation The Affirm account is the result of confirmed identity theft. As of XX/XX/XXXX, I submitted documentation to all bureaus, including identity theft affidavits, yet this account is still being reported. This violates : 15 U.S.C. 1681c-2 Obligation to block identity theft-related information after proper notification ; 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation ; FTC Identity Theft Rule, 16 CFR Part 681 Requiring blocking and resolution ; MD Code, Commercial Law 14-1212.1 State protection against identity theft and unauthorized data.

3. Illegal Reporting of Charged-Off Debts The XXXX XXXX account was charged off, and per tax and accounting law, the debt has been written off by the creditor and is no longer lawfully enforceable. Despite this, it remains active on my report with monthly updates and derogatory status, violating : 15 U.S.C. 1692e ( 8 ) Prohibits false or misleading communication, including false representation of debt ; IRS Publication 4681 Tax treatment of charged-off debts as losses ( prohibiting further collection ) ; FTC XXXX XXXX XXXX XXXX XXXX, FCRA violation precedent ( XXXX ) Charging off and continuing to report inaccurate status without verification. 

4. Fraudulent and Inaccurate Address Linked to Identity Theft The address XXXX XXXX XXXX XXXX is fraudulently attached to my credit profile and is the result of identity theft. My legal address is XXXX XXXX XXXX, XXXX, MD. Continued inclusion of this address after a dispute constitutes : 15 U.S.C. 1681g ( a ) ( 1 ) Right to accurate disclosure of file ; 15 U.S.C. 1681c-1 ( b ) Right to block information due to identity theft ; MD Code, Commercial Law 14-1208 Prohibition of reporting inaccurate personal identifying information. 

5. Unlawful Hard Inquiries Without Consent There are multiple hard inquiries on my credit report for which I did not authorize nor apply for credit. This is a violation of : 15 U.S.C. 1681b ( f ) Permissible purpose requirement ; 15 U.S.C. 1681b ( c ) ( 1 ) Prohibits accessing credit report without consumer consent ; MD Code, Commercial Law 14-1209 Limits access to credit reports without lawful purpose.

6. Failure to Reinvestigate or Resolve Within Legal Timeframes More than 60 days have passed since the original disputes were filed via the CFPB and FTC portals ( XX/XX/XXXX ), yet the credit bureaus have failed to : Correct inaccuracies ; Complete reinvestigations ; Provide verifiable written responses ; Cease reporting disputed accounts. 

This violates the 30-day resolution window under FCRA 1681i ( a ) ( 1 ), and constitutes willful noncompliance under 1681n, giving rise to claims for : Actual damages Emotional and financial distress Statutory damages up to {$1000.00} per violation Attorneys fees and costs Potential punitive damages 7. Emotional, Financial, and Discriminatory Harm Due to this inaccurate reporting and the refusal of the bureaus to resolve clear violations, I have experienced : Inability to refinance my vehicle Rejection for new credit opportunities Financial exclusion Emotional and mental distress These may also constitute disparate impact/discrimination under ECOA ( 15 U.S.C. 1691 ) if credit decisions are disproportionately affected based on mishandled identity theft reporting.

Demand for Immediate Relief I hereby demand the following : Permanent deletion of all inaccurate, closed, or identity theft-related accounts ; Removal of all fraudulent hard inquiries ; Deletion of inaccurate addresses associated with identity theft ; Cease reporting of any charged-off debts that are no longer lawfully enforceable ; Formal investigation by the CFPB and FTC into the systemic failure of Equifax, Experian, and TransUn
ion to comply with federal law ; Monetary compensation under 15 U.S.C. 1681n & 1681o and Maryland Commercial Law Title 14 for willful and negligent noncompliance.

I expect confirmation of action within 15 business days from the date of this letter. Failure to comply will result in escalation to federal and state legal counsel, including consideration of a civil complaint in the U.S. District Court for the District of Maryland. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief