Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern, This correspondence serves as a final, formal notice and legal demand to all major consumer credit reporting agenciesExperian, Equifax, and TransUnionregarding your collective and repeated failure to comply with federal and Maryland state laws governing the accuracy, integrity, and lawful investigation of consumer credit information. 

Despite multiple submissions through your portals, direct mail, and through federal channels including the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), you have failed to honor your legal obligations under : 15 U.S. Code 1681c-2 ( FCRA 605B ) Blocking of information resulting from identity theft, 15 U.S. Code 1681i ( FCRA 611 ) Procedure in case of disputed accuracy, 15 U.S. Code 1681s-2 ( FCRA 623 ) Responsibilities of furnishers of information, 15 U.S. Code 1681g ( FCRA 609 ) Disclosures to consumers, The Maryland Consumer Protection Act ( Md. Com. Law Code 13-101 et seq. ), The Maryland Personal Information Protection Act ( PIPA ) ( Md. Code Com. Law 143501 et seq. ). 

You have knowingly allowed the continued reporting of : - Closed and charged-off accounts with a {$0.00} balance inaccurately labeled with new payment or delinquency statuses, - Derogatory marks and late payment notations after closure or charge-off, - Fraudulent accounts including the XXXX XXXXXXXX account ( Account XXXX. XXXX ), which was opened without my knowledge or authorization and for which I have submitted a sworn affidavit and police report, - Hard inquiries I did not authorize nor initiate. 

Affected Accounts and Disputed Items XXXX. Closed and Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent, affidavit and police report provided ) 3. Late Payments and Derogatory Reporting After Closure All of the above XXXXXXXX XXXX accounts and the XXXX account continue to reflect late payments and derogatory activity despite being closed and/or charged off with {$0.00} balances. 
XXXX XXXX ( Account ending in XXXX ) Illegally reported 74+ months of derogatory history on a charged-off/closed account. Violations : FCRA 1681c & 1681s-2 ( b ) ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) In deferment and not delinquent. Credit score impact and reporting are improper. Violations : FCRA 1681e ( b ), 1681c ( a ) ( 4 ). 
XXXX. Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  Requested On XX/XX/XXXX Legal Basis for Dispute The continued publication and failure to correct this information violates : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : - 605, 605B : obsolete and fraudulent information reporting - 611 : failure to reinvestigate consumer disputes- 623 : reporting of inaccurate information - XXXX : civil liability for willful and negligent noncompliance Maryland Consumer Protection Act ( Md. Com. Law 13-301 et seq. ) Maryland Personal Information Protection Act ( Md. Code Com. Law 14-3501 et seq. ) Md. Criminal Law 8-304 : unlawful use of personally identifying information Each of these accounts has had {$0.00} balances for over 12 months and have been charged-off. A charge-off indicates the creditor has claimed the loss as a tax deduction and can not continue to report derogatory updates to consumer credit reports, as this constitutes unlawful double recovery and punitive treatment of the consumer. 

You have been notified through CFPB case filings, FTC Identity Theft Affidavit uploads, and direct disputes with police report evidence. Your failure to block or correct this information within the timelines prescribed by the FCRA constitutes willful noncompliance. 

* * DEMAND FOR ACTION * * : 1. Immediate deletion of all inaccurate, outdated, and fraudulent data as listed above.

2. Immediate permanent suppression of all fraudulent inquiries.

3. Formal acknowledgment within 10 business days and final resolution within 30 days.

4. Compensation for damages and violations under FCRA 616, 617, and Maryland consumer laws.

This letter shall serve as evidence in any future legal action or arbitration initiated for your continued negligence and violations. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief