Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my continued frustration and deep concern regarding your ongoing failure to remove fraudulent items from my credit report, despite my repeated efforts and overwhelming documentation proving that I am a victim of identity theft. Over the past two years, I have made every reasonable attempt to resolve this matter, yet my requests have been consistently ignored or dismissed without proper investigation. 

On XX/XX/XXXX, I first sent letters to all three major credit bureausEquifax, Experian, and TransUnionreporting identity theft and providing detailed documentation, including an identity theft affidavit and a copy of my identification. I received generic responses suggesting that the accounts belonged to another individual, yet no investigation was ever performed. 

On XX/XX/XXXX, I again contacted all three agencies, providing additional proof of my identity and supporting evidence. Each bureau acknowledged receipt but informed me that they would not be removing any of the fraudulent items from my report. 

By XX/XX/XXXX, I sent another round of correspondence, restating my dispute and emphasizing my legal rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I was once again informed that the bureaus would not reinvestigate. 

On XX/XX/XXXX, I received a troubling response claiming that the letters were not believed to have been sent by me. This is entirely falseI personally mailed each letter with tracking and delivery confirmation. 

Between XX/XX/XXXX, and XX/XX/XXXX, I took extraordinary measures to resolve this issue. Over this six-month period, I sent a total of XXXX certified letters to all three credit bureaus. Each mailing contained updated documentation, notarized proof of identity, prior correspondence, and clear demands for a lawful investigation and removal of fraudulent accounts. 

Despite my diligence : Some bureaus claimed my documents were incomplete. 

Others stated my disputes were duplicates and would not be reinvestigated. 

One claimed my signature did not match their records. 

Another advised me to contact the creditor directly, even though those creditors had already confirmed the accounts were not mine. 

Not one bureau conducted a proper reinvestigation, and no fraudulent accounts have been removed to this date. Their repeated refusals to investigate or correct my report are direct violations of the Fair Credit Reporting Act and demonstrate a severe disregard for my rights as a consumer. 

I am therefore demanding immediate action : Removal of all fraudulent accounts and inaccurate information from my credit file. 

Written confirmation that these items have been deleted. 

A full explanation of each bureaus previous failure to investigate. 

If I do not receive a satisfactory resolution within 15 days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for each state where the violations occurred. 

This experience has caused ongoing stress, emotional distress, and significant damage to my creditworthiness. I have been more than patient and cooperative. It is time for this matter to be properly resolved in accordance with federal law.

Company response to consumer: Closed with explanation