Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Equifax for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to exercise due diligence in processing and reporting accurate information to my credit file. 

Despite submitting certified documents, including my current lease, W-2 with complete SSN, paycheck stub, birth certificates, Georgia ID , and USPS address change form, Equifax has repeatedly neglected my requests to update my credit report with accurate information. This includes my legal name, XXXX XXXX XXXX, my address at XXXX XXXX XXXX XXXX, and my employment details at XXXX and XXXX XXXX, which are correctly reflected in my reports with XXXX and XXXX. 

This negligence violates multiple provisions of the FCRA, specifically : 1. **Accuracy and Integrity Requirement ( 15 U.S.C. 1681s-2 ) ** : Equifax is mandated to ensure the accuracy and completeness of the information it reports. The failure to correct and update my personal information constitutes non-compliance with this requirement.

2. **Procedures for Consumer Disputes ( 15 U.S.C . 1681i ) ** : Equifax is required to conduct a reasonable reinvestigation of any disputed information. Despite submitting disputes and supporting documentation three times, Equifax has failed to take appropriate action to rectify these inaccuracies.

3. **Enforcement and Non-Compliance** : Under the FCRA, failure to comply with accurate reporting mandates can result in regulatory action, penalties, and potential damages to consumers for any harm caused by inaccuracies in their credit reports.

Equifax 's failure to accurately report this information has severely affected my ability to secure financing for both personal and business purposes. Lenders have reported difficulties in locating a credit file that matches my legal and given information, which has been problematic for accessing credit and accurately assessing my current creditworthiness.

I request immediate correction of my credit file to accurately reflect my personal details and credit history. Additionally, I urge your office to investigate this matter thoroughly to prevent further violations and to ensure Equifax complies with the FCRA.

Please provide a written response acknowledging receipt of this complaint and outlining the steps Equifax will take to resolve these issues promptly.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXXXXXX XXXX  XXXX ] Enclosures : Copies of supporting documents ( lease, W-2, paycheck stub, birth certificates, Georgia ID , USPS address change form )

Company response to consumer: Closed with explanation