Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ca XXXX XXXX XXXX XX/XX/XXXX Ssn : XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information FCRA Violation Dear Sir/Madam, I am writing to formally dispute the following inaccurate information on my credit report, as provided by your agency. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies maintain accurate and complete information and conduct thorough investigations into. 
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of Legal Grounds for Dispute : Under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to investigate the disputed information within 30 days of receiving this notice.

15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report.

15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, you must notify the furnisher of the information and ensure that any inaccuracies are corrected or deleted.

Recent enforcement actions by the CFPB have highlighted systemic failures in the dispute processes of major credit reporting agencies. Specifically : Equifax : The XXXX XX/XX/XXXXXXXX  enforcement action revealed that Equifax failed to properly investigate consumer disputes, ignored consumer-submitted evidence, and allowed previously deleted inaccuracies to be reinserted into credit reports. These practices violate the FCRAs requirements for accurate reporting and dispute resolution. 
Experian : Similarly, Experian has been accused of conducting sham investigations into consumer disputes, thereby harming consumers. These actions also constitute violations of the FCRA. 


Requested Actions : In light of the above, I request the following : 1. Immediate Removal : Permanently remove the disputed account from my credit report.

2. Investigation : Conduct a thorough investigation into the accuracy of the disputed information, in compliance with the FCRA.

3. Notification : Provide me with written confirmation of the results of your investigation and any actions taken. 


Please consider this letter as a formal notice under the FCRA. I expect a response within the statutory 30 day period. Failure to comply with the FCRA may result in legal action and claims for damages as provided under 15 U.S.C. 1681n and 1681o.

Enclosed are copies of documents supporting my position. Please contact me at XXXX  or XXXX should you require any additional information. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation