Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Ongoing Dispute of Fraudulent and Inconsistent Information Dear Equifax, I am writing again to formally dispute several accounts that continue to appear on my credit report. I have submitted disputes to your office multiple times since XXXX, and the same inaccurate and fraudulent items remain. I am a confirmed victim of identity theft, documented in a police report. 
I have already submitted a full FTC Identity Theft Report and Affidavit, along with supporting documentation, in previous disputes. Unfortunately, it appears that report was ignored, and the fraudulent accounts were never blocked or removed. The Fair Credit Reporting Act requires your agency to take action once such documentation has been provided, and failure to do so constitutes noncompliance. 
Under the Fair Credit Reporting Act, you are required to block and delete any information that results from identity theft within XXXX business days of receiving valid documentation. The following accounts were not authorized by me and must be removed immediately : XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX XXXX / XXXX Account ending XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Account ending XXXX Additionally, your bureau is reporting inaccurate and inconsistent information compared to both Experian and TransUnion : XXXX of XXXX XXXX XXXX continue to report this as charged off and last payment made XX/XX/XXXX, yet it has been updating monthly through XX/XX/XXXX even though it was closed in XXXX. 
XXXX XXXX : Listed as charged off and updating monthly, inconsistent with Experians duplication and XXXX closed status. 
XXXX XXXX XXXX XXXX XXXX a charged-off balance of {$22000.00}, updating monthly even though closed XX/XX/XXXX. 
XXXX XXXX / XXXX : Appears on your report and Experian but not on TransUnion, XXXX unverifiable reporting. 
XXXX XXXX XXXX XXXX XXXX conflicting open and update dates between bureaus. 
Old Addresses : Your report contains old addresses in NJ, NY, and MA that do not belong to me. 
These discrepancies show your file is not accurate or complete under the Fair Credit Reporting Act. Any unverifiable or inconsistent item must be deleted immediately. 
If these inaccuracies are not resolved within the required timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Attorney General. 
I have enclosed copies of my ID, proof of address, and my FTC Identity Theft Report Affidavit and police report.. Please confirm once these corrections have been made. You XXXX contact me at the phone number or email listed above if further verification is required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation