Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) to report multiple inaccuracies on my credit report, which I obtained from XXXX. The credit reporting agency has failed to uphold their responsibilities under 15 U.S.C. 1681e ( b ), 1681g, and 1681i, despite my valid and properly documented dispute request.

I formally requested a full reinvestigation of the items listed below, which remain inaccurate, unverifiable, or improperly verified. I submitted this dispute with all required identification and documents. I am not requesting form letters or generic responses. Each item in dispute must be verified using actual evidence and appropriate procedures. 

Disputed Items Incorrect Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper, good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) : Refusal to delete unverifiable or inaccurate information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a complete method of verification.

Requested Remedies I request the following corrective actions : Complete reinvestigation of each disputed item.

Immediate deletion or correction of any information that is inaccurate, outdated, or can not be verified with documentation.

A full method of verification, including : Procedures used for reinvestigation Name and contact of any person or entity contacted Copies of all documents used to verify the disputed items A full consumer file disclosure under 15 U.S.C. 1681g, including : All information in my file Full list of soft and hard inquiries with dates and reasons Certifications of all entities that accessed my report Correction of Personal Information The following personal details should be the only identifying information on my file : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Any outdated names, addresses, phone numbers, or employers that can not be verified should be deleted immediately.

Deadlines and Legal Notice You must respond
to my dispute within 30 days, per 15 U.S.C. 1681i ( a ).

You must provide a full method of verification within 15 days, per 15 U.S.C. 1681i ( a ) ( 7 ).

All responses must be sent by mail only. I do not authorize electronic communications for this matter.

Failure to comply will result in further actions, including formal complaints to the CFPB, FTC, and state Attorney General, and potentially legal action for statutory and actual damages under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation