Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I, XXXX XXXX, submit this comprehensive statement to document the ongoing and unlawful credit reporting issues I have endured as a verified victim of identity theft. Despite repeatedly providing Experian with police reports, FTC identity theft reports, government identification, proof of residency, detailed written disputes, and formal FCRA Section XXXX block demands, and despite Congressman XXXX XXXX XXXX transmitting copies of my police reports and supporting documents directly to Experian on my behalf, the fraudulent XXXX XXXX XXXX account continues to be reported as a charge-off. This improper reporting persists even though the XXXX XXXX Police Department has confirmed the identity theft through Incident Reports XXXX and XXXX, both of which document toll violations from a duplicated license plate, multiple fraudulent accounts opened in my name, and an attached FTC identity theft affidavit identifying XXXX XXXX XXXX as part of the broader fraud pattern. The FTC identity theft filings from XXXX and XXXX likewise detail unauthorized credit cards, employment-related misuse, and tens of thousands of dollars in fraudulent charges. Under the Fair Credit Reporting Act, Experian was required to block all identity-theft-related information within XXXX business days of receiving this documentation, pursuant to Section XXXX, and was further obligated to conduct a reasonable reinvestigation under Section XXXX, as well as to maintain accurate procedures under Section XXXX ( b ). XXXX XXXX XXXX, as the furnisher, was required under Section XXXX to stop reporting information known or reasonably suspected to be false. Both entities have failed in these duties. As a result, I have suffered substantial harm including credit denials, higher interest rates, loss of employment opportunities, interruptions in housing, periods of homelessness, and severe financial and emotional strain. These harms have been aggravated by the troubling fact that I appear to have been internally flagged or negatively classified within an Experian special handling division, resulting in biased and unequal treatment compared to other consumers. The pattern of noncompliance by Experian and XXXX XXXX XXXX represents clear violations of federal law and New York 's General Business Law Sections XXXX through XXXX. I request immediate enforcement action, full deletion of all fraudulent information, correction of all inaccurate personal data, and a formal acknowledgment that my identity theft documentation has been properly processed. I reserve all rights to pursue further remedies, including state and federal enforcement actions, litigation, and congressional oversight intervention. Again, I, XXXX XXXX, submit this formal statement to document the ongoing and unlawful handling of my identity theft claims and credit disputes, which has resulted in multiple violations of federal and state law by Experian and XXXX XXXX XXXX. Despite providing Experian with extensive documentationincluding police reports, FTC identity theft affidavits, government identification, written disputes, formal block demands, and congressional submissions transmitted through Congressman XXXX XXXX XXXX continue to suffer harm as Experian refuses to remove or block the fraudulent XXXX XXXX XXXX XXXX XXXX account and other identity-theft-related data. In each of my written disputes, I specifically invoked my statutory right under the Fair Credit Reporting Act, requesting that Experian block all fraudulent accounts, inquiries, addresses, and identity-theft-related entries pursuant to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), which mandates that a credit reporting agency must block any information resulting from identity theft within XXXX business days after receiving proper documentation. XXXX refusal to carry out the blocking requirement is a direct violation of XXXX XXXX. Additionally, Experian has violated FCRA XXXX XXXX by failing to conduct a reasonable reinvestigation, and FCRA XXXX XXXX ( b ) by failing to maintain reasonable procedures to assure the maximum possible accuracy of my credit file. Experians continued publication of information that can not be verified, and that has been formally disputed multiple times, also violates New York General Business Law Sections XXXX and XXXX, which prohibit reporting inaccurate information, failing to correct known inaccuracies, and failing to follow reasonable procedures to ensure accuracy. XXXX XXXX XXXX, as the furnisher of the fraudulent data, has likewise violated FCRA Section XXXX, which requires furnishers to cease reporting information once they know or have reason to know it is inaccurate and to conduct a lawful investigation when notified of a dispute. All of these violations persist despite the XXXX XXXX Police Department confirming the identity theft through Incident Reports XXXX and XXXX, which document fraudulent toll violations, multiple unauthorized accounts opened in my name, and the attachment of FTC identity theft reports directly to the police file. The FTC reports from XXXX and XXXX further detail substantial fraud, including unauthorized credit cards, employment misuse, and the fraudulent XXXX XXXX XXXX XXXX XXXX. Despite this overwhelming evidence, Experian has refused to block or delete the fraudulent information as required by law and appears to have internally flagged me within a special handling division, resulting in biased and unequal treatment inconsistent with the FCRAs requirement of fair and consistent consumer processing. As a direct result of these violationsincluding the violations of FCRA Sections XXXX, XXXX, XXXX, and XXXX ( b ) and NYGBL Sections XXXX and XXXX have suffered credit denials, higher interest rates, employment losses, housing interruptions, episodes of homelessness, and significant emotional and financial hardship. For these reasons, I again demand immediate enforcement action, full blocking and deletion of all fraudulent accounts and identity-theft-related information under FCRA XXXX XXXX, correction of all inaccuracies, and written confirmation that my identity theft materials have been properly processed, while reserving all rights to pursue further remedies through regulatory enforcement, litigation, and congressional oversight.

Company response to consumer: Closed with explanation