Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Complaint and Dispute Regarding Inaccurate and Fraudulent Credit Reporting Information To Whom It May Concern, I am writing to formally file a complaint and dispute against several credit reporting agencies and data furnishers for reporting inaccurate, incomplete, and fraudulent information on my credit report. Despite my prior written disputes, these inaccuracies remain unresolved.

Summary of Issues : I am a victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX ), which has been notarized and included with this complaint. My credit report continues to display fraudulent accounts and late payment notations that are both incorrect and unverifiable. 

Disputed Accounts : XXXX. XXXX XXXXXXXX ( Account # XXXX ) Reported XXXX and XXXX late payments in XXXX XXXX These are inaccurate and unsupported by valid documentation. 
XXXX. XXXX XXXX XXXX XXXX  ( Account # XXXX ) Reported as 30150 days late between XXXX and XX/XX/XXXX I have proof of payments contradicting these claims. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXX late payment in XX/XX/XXXX Timely payment records provided. 
XXXX. XXXX XXXX ( Account # XXXX ) Inaccurate XXXX late notation for XX/XX/XXXX No late payment occurred. 
XXXX. XXXX XXXX ( Account # XXXX ) Reported late payments in XXXX, XXXX, and XX/XX/XXXX These are inaccurate and should be removed. 

Incorrect Personal Information : Credit bureaus continue to list outdated addresses, including : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX DC XXXX XXXXXXXX XXXX XXXXXXXX, MD These addresses are not linked to any valid financial activity. Only my current address at XXXX XXXX XXXX, XXXX, MD is correct. 

Legal Support : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, the credit bureaus are legally required to investigate disputed items and delete or correct any inaccurate, incomplete, or unverifiable information. In the case of XXXX XXXX XXXX XXXX, the courts reaffirmed that the burden of proof lies with the credit bureaus and data furnishers once a dispute has been filed.

Additionally, 15 U.S.C. 1681e ( b ) mandates that agencies ensure maximum possible accuracy in reporting, which has not been upheld in my case. 

Requested Resolution : Investigate all disputed accounts and personal information. 
Require the credit bureaus and furnishers to provide documentation verifying the accuracy of each item. 
Remove or correct all inaccurate, unverifiable, or fraudulent entries. 
Issue a written response along with an updated credit report. 

Enclosed Documents : FTC Identity Theft Report ( Notarized ) Proof of residence Prior dispute letters Supporting evidence of payment and discrepancies I respectfully request that the CFPB take prompt action to ensure my credit profile is corrected in compliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief