Consumer complaint received 2025-05-29 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: KS

Complaint narrative:
I am filing this complaint to report multiple inaccuracies and procedural violations regarding my credit report, which I obtained from XXXX. The information in question must be reinvestigated and corrected as required by the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds for Dispute and Requests Under 15 U.S.C. 1681i ( a ), I am exercising my right to : A complete and reasonable reinvestigation of the accounts and personal information listed below ; A detailed method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) ; A complete consumer file disclosure pursuant to 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a valid and specific disputenot a vague or frivolous complaint. I have personally prepared and submitted this request along with proper identification and documentation to support processing. By law, a reinvestigation must cover all associated data, not just the tradeline, including payment history, balances, remarks, and related codes. 

Disputed Items Charge-Off Accounts XXXXXXXX XXXX Account # : XXXX * * * * * * * * * * * XXXX XXXX Account # : XXXX * * * * * * * * * * * XXXX  Account # : XXXX * * * * * * * * * * * * * * * * Late Payment ( Closed Account ) XXXX  Account # : XXXX * * * * * Incorrect Personal Information Previous Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX XXXX Address : XXXX XXXX XXXX XXXX, Kansas XXXX XXXX KS XXXX These items are either inaccurate or unverifiable. As required by 15 U.S.C. 1681i ( a ) ( 5 ), if any component of these entriessuch as balance, payment history, account status, or open dateis found to be incorrect or unverifiable, it must be deleted entirely from my credit file.

FCRA Compliance Violations The following legal obligations apply and must be met : 15 U.S.C. 1681e ( b ) : You must use reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) : A reasonable and good-faith reinvestigation must be performed.

15 U.S.C. 1681i ( a ) ( 7 ) : A full description of the method of verification must be provided.

I Am Requesting the Following : A reinvestigation of all listed disputed items.

Correction or removal of any item found to be inaccurate or unverifiable.

A detailed method of verification, including : A description of reinvestigation procedures ; The names and contact information of entities contacted ; Documentation relied upon for verification. 

A full consumer file disclosure, including : All data in my file ; A list of all soft and hard inquiries with dates and purposes ; Certification records from all third parties who accessed my file. 

Update of Personal Information Please delete all outdated or unverifiable personal information, including : Incorrect name variations Incorrect digits of my SSN Outdated addresses, phone numbers, or employer listings Retain only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, Kansas XXXX, KS XXXX Required Response Deadlines You must respond to this dispute within 30 days under 15 U.S.C. 1681i ( a ) You must provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ) All responses must be sent by mail only. I do not authorize phone or email communications regarding this matter.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Kansas XXXX XXXX XXXX and may lead to legal action for statutory and actual damages under the FCRA. 

Thank you for your immediate attention to this matter. I expect your full legal compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief