Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you 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 the information reported is completely accurate and correct. The following information therefore needs to be investigated so this 
action wont happen again and it needs to be deleted in its entirety from my credit bureau due to Equifax negligence.
On XXXX-I received a letter which is attached requesting that I submit 2 different items to further prove my identify. From Category
1-I submitted my SSN Card and from Category 2-I submitted my current year W2 form that listed my correct physical and mailing 
address of XXXX XXXX XXXX XXXX, TX XXXX. Re sent out my disputes to EQUIFAX.
On XXXX-I receive Equifax mail addressed to XXXX XXXX  (using my mailing address) stating they or currently processing a 
dispute for XXXX XXXX XXXX XXXX XXXX. I dont know this person but its strange your company is listing creditors information 
from my credit report to another person. Big Violation. (Letter Attached)
On XXXX-I receive Equifax mail addressed to me using Equifax Confirmation XXXX-The report is listing the very same 
XXXX XXXX XXXX XXXX XXXX. How could me and this person who I dont know have the same account information? (Letter 
Attached)
On XXXX-I receive Equifax mail addressed to me using Equifax Confirmation XXXX-The report claims to have been verified 
for the same XXXX XXXX XXXX XXXX XXXX. Keep in mind back XXXX Equifax sent a letter to XXXX XXXX stating you were 
verifying the dispute as his/her account. (Letter Attached)
On XXXX-I receive Equifax mail addressed to XXXX XXXX (using my mailing address) using Equifax Confirmation XXXX  
The file was pages 1 of 20. Page 1-Is addressed to XXXX XXXX  using my mailing address. Page 4 of 20 claims that Equifax 
verified that account XXXX XXXX XXXX XXXX was verified. Page 4 of 20 also claims account XXXX XXXX XXXX XXXX XXXX was verified. Heres where it gets confusing Page 7 of 20 has my identifying information name, address, same 
confirmation file number as page 1 of 20. Page 8 of 20 has the same XXXX XXXX XXXX XXXX, page 8 of 20 
also has the same XXXX XXXX XXXX XXXX XXXX XXXX. Equifax failed to protect my identify and credit file. Addressing credit profiles 
to the wrong person and listing my personal information and accounts is a huge breach of data. Your company was exposed for this 
same negligence before and it is still happening. I am very distressed and upset. (Letter Attached)
The facts that I am listed or all verifiable, and will be brought up as exhibits and discoveries should I have to exercise my rights as a 
consumer and sue Equifax.
 According to my records, these accounts or inaccurate and your company is reporting errors on my credit report:
1. Violation for misrepresenting the high balance, the date of last activity, payment status, and date of last payment inaccurate and 
inconsistent across bureaus XXXX Secured Installment Account Number: XXXX FCRA requirements were not met due 
to inconsistent data across credit bureaus. 
2. Violation for misrepresenting the date of last activity, balance owed, date opened, and payment status inaccurate and 
inconsistent across bureaus XXXX XXXX XXXX XXXX Account Number XXXX Please remove this inaccurate information 
from my credit report.
3. 2. Violation for misrepresenting the date of last activity, balance owed, date opened, and payment status inaccurate and 
inconsistent across bureaus XXXX XXXX XXXX  Account Number XXXX Please remove this inaccurate 
information from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my 
understanding that you will recheck these items with the furnisher who has posted them. Please remove any inaccurate or 
inconsistent information reported by the furnisher. I understand that under 15 U.S.C. Sec. 1681i(a)(5), you must complete this 
reinvestigation within 30 days of receipt of this letter. Please note that this is your official notice and confirmation of inaccuracies and 
errors on my credit report.
If you continue to report these accounts, you are in direct violation of 15 USC 1681s-2 (a)(1)(B), and I will be filing a federal 
complaint with the district court of my state per 15 usc 1681p. Please comply, otherwise, that is also in violation of 12 CFR Part 
1006, which is a law that enforces observance or compliance with the FDCPA laws.
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit 
against your company. I am sending this dispute by certified mail, requesting that you remove inaccurate information (accounts) 
from my file. If you continue to report this inaccurate and inconsistent information, I will file a federal complaint within my county 
against your company. I will use this document as evidence to confirm that you violated the Fair Credit Reporting Act and ignored 
my request to investigate the item(s).
I take my credit very serious and I hope your company can maintain professionalism and assistance in resolving this matter. Please 
do more than process this dispute through e-oscar, and carelessly generate and automated response. Please do a thorough 
investigation and delete the account(s) included in this dispute. I am well aware of my rights under the Fair Credit Reporting Act and 
I intend to pursue them to the maximum.
I await your response.
Please send an updated copy of my credit report to the above address. I also request that you please send notices of corrections to 
anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief