Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, NY XXXX XXXX XXXX Social ( Last Four ) : XXXX Date : XX/XX/XXXX XXXX  Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Inaccurate and Outdated Personal Identifying Information To Whom It May Concern : I am disputing the accuracy, completeness, and integrity of the personal identifying information currently listed on my consumer credit files. My credit reports are displaying * * incorrect and outdated names, addresses, social security numbers, phone numbers, dates of birth, and/or employers. * * This violates the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require consumer reporting agencies to maintain accurate and complete information. 

* * Please update my credit file to reflect ONLY my correct information, and remove all incorrect, outdated, or misspelled items listed below. * * -- - SECTION I CORRECT INFORMATION TO BE RETAINED - Full Legal Name : * * XXXX XXXX * * ( Remove any and all other names, former names, nicknames, or misspelled versions of my name. ) - Current Address : * * XXXX XXXX XXXX, Apt XXXX, XXXX XXXX, NY XXXX * * ( Remove all previous addresses and any incorrect addresses not listed above. ) - Social Security XXXX : * * XXXX * * ( Remove any other SSNs or partial SSNs associated with my file. ) - Date of Birth : XX/XX/XXXX ( Remove any incorrect or conflicting dates of birth. ) - Phone Number : * * XXXX * * ( Remove any outdated or inaccurate phone numbers. ) SECTION XXXX GOVERNING LAW AND DUTIES * * A. Consumer Reporting Agencies ( CRAs ) * * - 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information they report.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) : Upon receiving this dispute, CRAs must conduct a reasonable reinvestigation within 30 days and delete or correct any inaccurate, incomplete, or unverifiable information.

- 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : CRAs must promptly forward all relevant information I provide to the furnisher.

- 15 U.S.C. 1681i ( a ) ( 6 ) : CRAs must provide written results and an updated report within 5 business days after completing the reinvestigation.

- 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) : If verified as accurate, you must provide me with a Method of Verification ( MOV ) within 15 days of my request, including the name, address, and telephone number of each furnisher you contacted.

- 15 U.S.C. 1681s-2 ( a ) ( 3 ) : While this dispute is pending, you must mark my file as in dispute by consumer.

* * B. Regulation V ( CFPB ) * * - 12 C.F.R. 1022.42 : Requires CRAs and furnishers to have policies to ensure the accuracy and integrity of information.

- 12 C.F.R. 1022.43 : Requires that all direct disputes receive a reasonable investigation and mXXXX not be dismissed as frivolous without proper written notice. 

* * XXXX XXXX and XXXX XXXX * * - CFPB Circular XXXX ( XXXX XXXX, XXXX ) : Disputes must be reasonably investigated and not improperly deemed frivolous. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must do more than simply parrot information and must conduct an independent reinvestigation. 
- XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers must correct information that is materially misleading. 
- Seamans v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Accuracy includes completeness ; misleading reporting violates the FCRA. 

-- - SECTION XXXX CFPB SUBMISSIONS If I submit or have submitted this dispute through CFPB.gov, it must still be treated as a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 C.F.R. 1022.43. This does not diminish your obligations to reinvestigate and correct the information as required under 1681i and 1681s-2 ( b ).

-- - SECTION IV SUPPORTING STATEMENT The presence of inaccurate and outdated names, addresses, and other personal identifiers on my credit report creates confusion and can result in the commingling of other peoples information with mine. Please delete all incorrect personal information and retain only the verified data listed above. 

-- - SECTION V ADDITIONAL RIGHTS & PROTECTIONS- If any disputed personal information is deleted or modified, do not reinsert it unless it is fully certified as accurate and you provide me written notice within 5 days. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - If you can not verify this information with competent documentary evidence, it must be deleted. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - This dispute is submitted without waiving any rights or admitting any liability.

- If violations persist, I reserve the right to pursue legal action for negligent or willful noncompliance under 15 U.S.C. 1681n, 1681o.

-- - SECTION VI DEADLINES - You must complete your reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

- If you verify any disputed personal information as accurate, you must provide the Method of Verification described above within 15 days of my MOV request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ).

- If found inaccurate or unverifiable, you must delete or correct it and notify all CRAs to which it was furnished ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

-- - Enclosures : Government-issued ID ( old address ) W-2 with current address and full Social ( current address & full social ) Utility bill with current address ( current address ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief