Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX , DC XXXX Re : Formal Dispute of Credit Reporting Inaccuracies, Identity Theft, and Violations of Consumer Protection Laws Dear CFPB Representative, I am writing to formally dispute and request your immediate assistance regarding multiple violations involving inaccurate reporting on my Experian credit file and repeated identity theft instances that remain unresolved despite numerous prior notifications to Experian and associated creditors. 

Specifically, the following issues require urgent action : Inaccurate Reporting of Address : The address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, remains inaccurately listed on my Experian credit report despite repeated notifications and disputes filed directly with Experian and previously through CFPB. This incorrect address is directly associated with identity theft activities and unauthorized credit applications. I have requested removal more than three times without any resolution, clearly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Identity Theft-Related Accounts ( XXXX XXXXXXXX ) : The accounts associated with XXXX, XXXX listed on my credit report are directly related to documented incidents of identity theft, which I have formally reported to Experian and XXXX multiple times. Despite submission of detailed identity theft reports, these fraudulent accounts continue to be illegally reported, adversely affecting my creditworthiness. XXXX and Experian have knowingly continued reporting these fraudulent debts, thereby violating : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ( requiring removal of fraudulent accounts following a valid identity theft report ) Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( prohibiting false, deceptive, and misleading representations ) Identity Theft and Assumption Deterrence Act of 1998, 18 U.S.C. 1028 ( criminalizing misuse of personal data and identity theft ) Maryland Personal Information Protection Act ( PIPA ), Md. Code Ann., Com. Law 14-3501 et seq. ( requiring prompt removal of fraudulent data and appropriate notifications ) Closed Account Reporting : Accounts that have been closed are inaccurately and improperly continuing to report as active or derogatory on my credit file. This practice violates my rights under the Fair Credit Reporting Act ( FCRA ), mandating accurate and timely updates to consumer credit files.

Given the severe negative impact of these unresolved issues, including restricted access to financial opportunities and undue emotional and financial distress, I demand the following immediate corrective actions : Removal of the fraudulent and incorrect address ( XXXX XXXX XXXX XXXX, XXXX XXXX ) from my Experian credit file. 

Immediate removal of all XXXX-related fraudulent accounts from all credit reporting agencies. 

Complete correction or removal of closed accounts incorrectly reported as active or derogatory. 

An official acknowledgment and confirmation of all corrections made to my credit reports. 

Due to repeated neglect by Experian and involved creditors, including XXXX, despite multiple notifications, this issue now warrants further investigation by CFPB to enforce compliance with the aforementioned federal and state laws. Should these inaccuracies not be promptly resolved, I reserve the right to pursue further legal remedies available under federal and Maryland state consumer protection statutes. 

Thank you for your immediate attention and assistance in resolving these serious violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation