Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Legal Notice Fraudulent and Unlawful Reporting of Accounts Due to Identity Theft To Whom It May Concern : This letter serves as final legal notice concerning your companys ongoing and unlawful conduct in furnishing false, inaccurate, and fraudulent tradelines under my name to XXXX, Equifax, and XXXX. The XXXX accounts currently appearing on my credit reports were not opened by me, were never authorized by me, and are the result of identity theft. 

Despite prior notification and submission of : A sworn Identity Theft Affidavit, A valid police report, and Multiple dispute notices, XXXX XXXX has willfully failed to remove or suppress the fraudulent data and has continued to knowingly furnish false and defamatory information to consumer reporting agencies. 

Violations of Law : Your failure to act violates the following state and federal laws : Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c2 ) : Requires blocking fraudulent data within 4 business days after receipt of a valid identity theft report.

FCRA 623 ( 15 U.S.C. 1681s2 ) : Prohibits the reporting of information known to be false or disputed without proper investigation.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation and correction of disputed data within 30 days.

FCRA 616617 ( 15 U.S.C. 1681n, 1681o ) : Subjects furnishers to civil liability, including statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees.

Maryland Commercial Law 14-1202 and 14-1205 : Require accurate, fair, and verified credit reporting.

Maryland Criminal Law 8-304 : Criminalizes the misuse of anothers identifying information for fraudulent purposes.

Ongoing Harm : Your refusal to comply has resulted in : Denial of credit opportunities, Decreased credit scores, Increased interest rates, and Substantial emotional distress and reputational harm.

Furthermore, the continued and deliberate furnishing of inaccurate data constitutes defamation of credit, negligent misrepresentation, and willful injury to my financial standing. 

Demand for Action and Compensation : I hereby demand the immediate and permanent removal of all XXXX XXXX tradelines associated with identity theft from all consumer reporting agencies. In addition, I formally request financial compensation for the repeated harm, emotional distress, and adverse financial consequences resulting from your failure to correct knowingly inaccurate information. 

Should you fail to provide confirmation of deletion and a financial remedy within ten ( 10 ) business days, I will proceed to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Maryland Attorney Generals Office ; Initiate a civil lawsuit under FCRA 616 and 617 for monetary damages, injunctive relief, and all remedies available under law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation