Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Third ( 3 ) attempt to Dispute Inaccurate Personal Information on My Consumer File To Whom It May Concern : I am writing to formally dispute inaccurate personal information that is currently being reported on my consumer file, as provided by your agency. I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame The specific inaccuracies I found on my report include : Personal Information for Equifax NAME : XXXX XXXX The only name I go by is XXXX XXXX XXXX XXXX any name you have in your system that does not match XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVE the reported Consumers Current Residence ( s ) of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as my REQUISITE REPORTED CURRENT, CORRECT and COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX I DO NOT AUTHORIZE you to retain, nor report any not proven, true, correct, valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated here. 

Previous Residence : XXXX, XXXX - REMOVE the display reported Previous Residence ( s ) of - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX  XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Employer ( s ) : XXXX XXXX XXXX REMOVE the display reported Reported Employers ( s ) of XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

Birth Year : XXXX XXXX REMOVE the display reported Date of Birth XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Date of Birth is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
________________________________________ I have attached relevant documentation that proves the inaccuracy of the aforementioned items. I kindly request that you investigate these discrepancies without delay. Pursuant to the FCRA, you are required to initiate the investigation within 30 days of receiving this letter. 
Furthermore, if after your investigation, you find that the information is indeed inaccurate, I request that it be promptly corrected or deleted from my file. Also, I would appreciate it if you could provide me with a corrected copy of my credit report after the inaccuracies have been addressed. 
Lastly, in accordance with the FCRA, if you can not or do not verify the disputed information within the stipulated time frame, the information must be promptly deleted from my report. 
I look forward to your prompt attention to this serious matter. Protecting the accuracy and integrity of my credit report is of utmost importance to me. Kindly inform me in writing of the outcome of your investigation. 
Thank you for your attention to this matter. 




Sincerely, XXXX XXXX XXXX