Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Complaint Failure by Credit Bureaus to Accurately Update Personal Information Despite Repeated Disputes Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Experian, Equifax, and TransUnion, as all XXXX national credit reporting agencies have failed to properly update or correct my personal information despite multiple formal disputes and the submission of supporting documentation. 

I have made repeated good-faith efforts to resolve the following discrepancies, which are still inaccurately reflected on my credit reports as of the latest review dated XX/XX/XXXX : Inaccuracies Present Across All XXXX Bureaus : Name Discrepancy : My full and correct legal name is XXXX XXXX XXXX XXXX XXXX 
However, my credit reports contain erroneous and inconsistent versions including : XXXX XXXX XXXX XXXX XXXX XXXX These variations pose a risk for misidentification and improper data merging. 

Incorrect or Multiple Phone Numbers : The only correct and current phone number that should be associated with my credit file is : ( XXXX ) XXXX All other numbers should be removed as they are outdated or unrecognized. 

Address Discrepancies : My only valid residential address is : XXXX XXXX XXXX, XXXX, TN XXXX Other listed addressesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX obsolete or unrecognized and should have been removed upon request. 

Date of Birth Incomplete : Experian currently lists only the year of birth ( XXXX ), which is inadequate. 
My full date of birth is XX/XX/XXXX, and I provided proof of identity to support this correction. 

Employment Information Errors : Some bureaus list misspelled or outdated employers such as XXXX XXXX. 
My current and accurate employer is XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Background and Critical Security Concern : I am also a confirmed victim of the XXXX Equifax data breach, which exposed the sensitive personal information of over XXXX XXXX Americans. My informationincluding name, date of birth, address, and likely Social Security Numberwas part of the breach, and I have taken steps to monitor and secure my identity since. 

Given this background, it is imperative that the credit bureaus act swiftly and responsibly to ensure that only accurate, verified personal data remains on file. Their continued failure to do so despite proper disputes and documentation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( b ) and XXXX. 

This matter is of serious concern to me, as inaccurate data compromises my personal and financial security, increases the risk of identity theft, and could adversely affect my creditworthiness and ability to apply for credit, housing, or employment.

Company response to consumer: Closed with non-monetary relief