Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : This Dispute was not Removed off my Credit Profile!! 

This letter is a formal complaint to EQUIFAX, XXXX XXXX XXXX that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below is the correct address that should be on all 3-credit bureau. XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Business There are 28 invalid and inaccurate addresses listed as my place of residence 3 invalid phone numbers, 5 invalid personal name and 3 invalid employers. I currently reside at XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my employer, and I do not wish to have a phone number listed on my credit report. I have enclosed a bills that will help verified that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Note : ID Fraud victim alert FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. Sincerely, XXXX XXXX XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Name PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Name THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Employment : FIRST CLASS TRAINING THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : TRAVEL TRADERS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. Employment XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, EQUIFAX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, EQUIFAX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation