Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the victim of identity theft, documented in an official FTC Identity Theft Report, and despite multiple written disputes, notices, and supporting documents, Experian, TransUnion, and Equifax continue to publish and re-publish false, inaccurate, and unverifiable information under my consumer file. 

These CRAs have repeatedly failed to properly investigate my disputes, failed to correct misinformation, and have continued to furnish data that is not mine, not authorized by me, and not supported by any documentation. 

This has caused ongoing and irreparable harm to my : Credit reputation Ability to obtain credit Privacy rights Housing and financial opportunities I have suffered concrete harm because the CRAs refuse to comply with basic accuracy, reinvestigation, and verification duties. 

XXXX. What the Companies Did ( Details of Violations ) a. Failure to investigate disputes Each CRA received multiple dispute letters, including : Identity theft documentation Proof of my address Fraud affidavits Written demands under state consumer protection laws Despite this, the CRAs : Responded with automated form letters Did not verify the data Did not contact the alleged creditors Continued to report the same inaccurate information b. Reporting false information even after notice Even after receiving : My FTC Identity Theft Report Multiple written disputes Certified-mail notices Copies of third-party confirmations showing the accounts are fraudulent the CRAs reinserted, reaffirmed, or refused to delete the false accounts. 

c. Publishing information that does not belong to me The disputed tradelines : Were created through identity theft Do not belong to me Have no supporting contract, application, signature, or authorization Can not be verified by any creditor d. Refusal to provide actual verification Each CRA has refused to supply : The original creditor contract Any signed application Any documentation with my signature Any evidence tying me to the alleged accounts The CRAs are simply parroting unverifiable data supplied by furnisherseven AFTER receiving notice of identity theft.

e. Harm to me as a New York consumer I have been : Denied credit Assessed higher interest rates Exposed to privacy violations Impeded in housing and employment opportunities Subjected to continuing harm ; and This is not a duplicate of any prior complaint because : New identity-theft-related activity and false reporting occurred after prior disputes. 

CRAs continued to report false information after receiving new evidence. 

New reinserts and re-publications occurred. 

New harm has resulted. 

This complaint addresses new violations, new harm, and new reporting events. I am attaching my Amended Verified Complaint filed in XXXX XXXX Supreme Court Equity Division. This is not a duplicate of any prior CFPB dispute. These are NEW violations, NEW reporting, and NEW harm occurring AFTER earlier CFPB filings. The CRAs continue to report fraudulent and unverified identity-theft-related accounts despite my FTC report and prior disputes.

Company response to consumer: Closed with explanation