Consumer complaint received 2025-08-16 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 XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate and Misleading Personal Information under FCRA To Whom It M

ay Concern : This is a formal dispute of personal information reporting under the Fair Credit Reporting Act ( FCRA ). I demand a full reinvestigation and correction of the inaccurate, outdated, and misleading identifiers listed on my consumer file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer information. Personal identifiers such as name, address, and employment are fundamental to credit reporting. Inaccurate or outdated identifiers increase the risk of mixed files, identity confusion, and reputational harm. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( holding that failure to maintain accurate identifiers creates liability ). 

This dispute is submitted via XXXX. Under XXXX XXXX. XXXX ( a ) ( XXXX ), such disputes must be treated no differently than if submitted directly to you. 

1.TransUnion Incorrect Name : XXXX XXXX XXXX instead of XXXX XXXX XXXX 
Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX Never resided at these addresses ; misleading under 1681e ( b ). ) Correction Requested : Update name to XXXX XXXX and keep only XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX as current and correct address. Remove all others. 
Employment : XXXX XXXXXXXX XXXX is accurate and may XXXX Incorrect/Outdated Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Never resided at these addresses ; inaccurate under 1681e ( b ). ) Correction Requested : Remove the above addresses immediately. 
All other information is correct and may remain. 

XXXX Incorrect Employment : Reports Not Provided. 
( This is incomplete and misleading. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) incomplete data can be inaccurate under the FCRA. ) Correction Requested : Update employment to Pr XXXX XXXX. 
Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX Never resided at these addresses ; must be deleted under 611 ( a ) ( XXXX ) ( A ). ) Correction Requested : Retain only XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX as my address of record. 

Legal Demands Reinvestigation : Conduct a full reinvestigation of the above items within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Deletion of Inaccurate Identifiers : Any unverifiable or false names, addresses, or employment entries must be deleted immediately ( 611 ( a ) ( 5 ) ( A ) ).

Method of Verification ( MOV ) : If any disputed item is verified as accurate, provide within 15 days a detailed MOV under 1681i ( a ) ( 6 ) ( B ) ( iii ), including : Source of the data, Furnishers name, address, and contact number, Documents relied upon for verification. 

No Re-aging or Alteration : Updating or reintroducing these items after deletion will be treated as post-dispute manipulation and a willful violation of the FCRA. 
Preservation of Rights If you fail to comply, I reserve the right to pursue legal remedies, including : Filing complaints with the CFPB, FTC, and state regulators, Civil litigation under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) for statutory, actual, and punitive damages. 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief