Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report, which I obtained through XXXX. The report contains incorrect personal information and accounts that are inaccurate, outdated, or unverifiable. This complaint is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681e ( b ), 1681g, and 1681i, I am exercising my legal rights to dispute this information and request : A complete and reasonable reinvestigation of each disputed item ; A full description of the method of verification used to confirm the accuracy of each item ; A complete consumer file disclosure showing all data in my file and a list of all entities that accessed it. 

This is a specific, well-documented dispute. I personally submitted it with all required identifying documentation. It is not a vague or frivolous claim. 

Disputed Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy using reasonable procedures.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation.

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

These errors are materially harmful to my creditworthiness and must be addressed in accordance with federal law. 

Requested Actions : Conduct a full reinvestigation of each disputed item. 

Remove or correct any inaccurate or unverifiable data. 

Provide the method of verification, including : A description of the procedures used ; Names and contact information of parties contacted ; Copies of documents used to verify each item. 

Provide a full consumer file disclosure under 1681g : All data in my credit file ; List of all soft/hard inquiries with dates and reasons ; Copies of certifications provided by third parties who accessed my credit file. 

Correction of Personal Information : I am requesting deletion of all incorrect, outdated, or unverifiable personal identifiers such as : Name variations Incorrect digits of my Social Security number Inaccurate addresses, phone numbers, or employer listings Only the following correct information should remain : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Deadlines for Response : 30 days to respond to the dispute under 15 U.S.C. 1681i ( a ) 15 days to provide the method of verification under 1681i ( a ) ( 7 ) Responses must be by mail only. I do not consent to email or phone communication regarding this dispute.

Failure to comply with these obligations may result in formal complaints to the CFPB, FTC, and State Attorney General, as well as legal action for violations of the FCRA, including claims for statutory and actual damages. 

Thank you for your immediate attention. I expect full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief