Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am filing this complaint due to the continued reporting of inaccurate and/or unverifiable information on my credit report, which I obtained from AnnualCreditReport.com. I am formally requesting the CFPB 's assistance in compelling the credit reporting agency to comply with the Fair Credit Reporting Act ( FCRA ) and correct the following violations. 

This complaint concerns the agency 's failure to : Accurately report my personal information Properly investigate multiple charge-off accounts Respond with a complete method of verification Provide a full consumer file disclosure This is now a formal dispute, request for reinvestigation, method of verification, and full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items Charge-Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate Personal Information Incorrect Employer : XXXX XXXX Incorrect Employer XXXX XXXX These entries are either inaccurate or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), if any part of a tradelinesuch as balance, payment history, or account statusis found to be incorrect or unverifiable, it must be removed entirely from the report. 

FCRA Violations and Legal Duties 15 U.S.C. 1681e ( b ) : You are required to use reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

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

15 U.S.C. 1681i ( a ) ( 7 ) : You are obligated to provide a method of verification, including who was contacted and what data was used. 

Requested Remedies I am demanding the following corrective actions : Full reinvestigation of all disputed accounts and personal information Deletion or correction of any inaccurate or unverifiable data A complete method of verification, including : Description of the reinvestigation procedures used Names and contact information of any parties contacted Documentation relied upon during the reinvestigation A complete consumer file disclosure per 15 U.S.C. 1681g, including : All information in my file at the time of this request All soft and hard inquiries with dates and stated purposes Copies of any certifications from third parties who accessed my report Personal Information Correction Request You are legally required to maintain accurate identifying information. Please immediately remove any outdated, incorrect, or unverifiable personal data, such as : Incorrect name variations Invalid or incorrect SSN digits Previous addresses, phone numbers, or employers Please retain only the following accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XXXX SSN ( Last 4 ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Response Timeframes and Communication Limits Per 15 U.S.C. 1681i ( a ), you must respond to my dispute within 30 days.

Per 15 U.S.C. 1681i ( a ) ( 7 ), the method of verification must be provided within 15 days. 

I do not authorize email or phone contact regarding this matter. All communications must be made by mail. 

Conclusion If the requested actions are not taken promptly, I will pursue further complaints with the CFPB, FTC, and State Attorney General, and I reserve the right to seek legal relief for statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief