Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax , I am writing to dispute the following information that appears on my Equifax Credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information if I identify information in my file that is incomplete or inaccurate, and report it to your consumer reporting agency. Your agency must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

On or about XXXX XX/XX/XXXX I asked that all previous inaccurate or unverifiable address be removed from my credit file. These addresses are no longer valid and I can not receive mail at these addresses. All valid creditors have my correct address which is XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. According to your response to your to my investigation request dated XXXX XX/XX/XXXX, I was informed these inaccurate addresses would remain on my credit file. 

According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

According to the FCRA and congress your response of reporting old outdated addresses used for billing and/or application purposes will appear and remain on my credit file is not sufficient reason according to law. These outdated address put me and my credit worthiness at risk as I have had numerous pieces of mail sent to these addresses with personal identifiable information contained on them which is a violation of the FCRA as well as a violation of the Privacy Act. 

In view of these clear violations of the FCRA and Privacy Act please delete the following addresses from my credit file. 

XXXX XXXX XXXX, XXXX XXXX TN XXXX listed as residence since XX/XX/XXXX. This is inaccurate information as proven by my current attached Drivers License showing me as a resident of Georgia with my true accurate mailing address listed. 

XXXX XXXX XXXX, XXXX GA XXXX listed as my residence since XX/XX/XXXX. This is inaccurate information as there is no such address as XXXX XXXX XXXX. This seems to be an attempt to obtain credit utilizing promotional information mailed utilizing inaccurate information obtained from my credit file utilizing XXXX XXXX XXXX, and XXXX XXXX XXXX This is why it is imperative that all inaccurate and outdated addresses are removed from my credit file. 

XXXX XXXX XXXX, XXXX GA XXXX listed as my residence since XX/XX/XXXX. This is a fraudulent address and was never my mailing address. Please delete this information from my credit file. 

I would also like the name listed on my credit file to show only XXXX XXXX XXXX as listed on my current Drivers License and my only employer listed to reflect XXXX XXXX XXXX and my position listed as XXXX XXXX  All other job titles and employers should be immediately removed from my credit file per the aforementioned FCRA law. 


Please delete this inaccurate disputed information as soon as possible. Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX XXXX