Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Phone Number ] [ Email Address ] Date : XX/XX/2025 To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Mixed Credit File, Misreporting, and FCRA Violations Immediate Correction Demanded Dear Equifax, I am writing to formally express my ongoing frustration and deep concern regarding Equifaxs continued mishandling of my consumer credit file, which has been in dispute for several months without resolution. I am also CCing the Consumer Financial Protection Bureau ( CFPB ) as this situation has now escalated beyond standard dispute handling and appears to involve a serious mismerge of my credit file with another individuals. 
Despite multiple attempts on my partincluding certified mail, submissions through the CFPB portal, and verbal confirmations from Equifax Consumer Affairs representativesEquifax continues to report credit data that does not belong to me, while simultaneously omitting accurate, verified data that appears on my credit reports from XXXX XXXX XXXXXXXX, and XXXX. 
Here are the facts : XXXX, The only way I can currently view my Equifax credit file is through XXXX XXXX XXXX because Equifaxs own website returns a blank file or fails to provide access when I try to retrieve my report directly. 

XXXX. The Equifax file displayed via XXXX XXXX shows credit accounts that are not mine, which your own customer service representatives have acknowledged do not match my identity. 

XXXX. The address section of my Equifax XXXX XXXX file does not show my current and correct address at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Instead, it inaccurately lists : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX an address I have never lived at and have no connection to whatsoever. 
I have lived in XXXX XXXX, XXXX  all my life. 

XXXX. Although Equifax claims to have no record of my submitted documentation, I continue to receive mail from Equifax at my correct XXXX XXXX XXXX address, which indicates that : Either Equifax has my correct address on file, or You received and processed XXXX or more of the identity documents I submitted via CFPB and certified mail. 
If neither is true, how am I consistently receiving mail from you? 

XXXX. I have also had to repeatedly submit my government-issued ID and Social Security card before even being allowed to speak to a representative, and yet my legitimate credit is still not reflected on your file. 

My Actual Credit File Includes the Following, Which Equifax Is Not Reporting : A paid-in-full mortgage with XXXX A paid-in-full auto loan with XXXX XXXX  A paid-in-full auto loan with XXXX XXXXXXXX A paid-in-full personal loan with XXXX XXXX These accounts appear XXXX XXXX my XXXX XXXX XXXX, and will be reflected on my upcoming XXXX report. They do not appear at all on Equifax, which further supports that the file Equifax is maintaining for me is not my true credit file. 

Applicable Federal Consumer Protection Laws : 1. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Equifax is required to use reasonable procedures to assure the maximum possible accuracy of the information it reports. Maintaining and publishing a mismerged file with another individual 's data is a gross violation of this statute.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information You are legally required to reasonably reinvestigate disputed information within 30 days. My repeated disputessupported with proper identificationhave not been meaningfully investigated or resolved.

3. 15 U.S.C. 1681g Full Disclosure to Consumer I have a legal right to a full, clear copy of my credit report, yet I am only able to see incorrect data via Credit Karma, and I receive no accurate file directly from Equifaxs platform.

4. 15 U.S.C. 1681n and 1681o Civil Liability For willful or negligent noncompliance with the FCRA, Equifax may be liable for statutory, actual, and punitive damages, in addition to legal costs.

My Formal Demands : 1. Immediately correct the mismerged file by removing all inaccurate and unrelated tradelines, addresses, and identifiers 2. Ensure that my true and verified credit data is reflected in your systemincluding the paid-in-full accounts listed above 3. Acknowledge receipt of the documentation I submitted via certified mail and the CFPB portal 4. Provide a complete and accurate copy of my Equifax credit file tied to my true identity and SSN 5. Take all necessary actions to permanently separate any other consumers data from my credit report This situation is beyond a simple reporting errorthis is a failure of Equifaxs system to maintain basic consumer file integrity. Until my credit report reflects only information tied to my actual identity and Social Security number, I will continue pursuing formal complaints and legal remedies as necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief