Consumer complaint received 2025-08-26 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:
Full Legal Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX : XXXX Phone : XXXX Employment : Self-Employed, Tax Geek Date : XX/XX/XXXX To Whom It XXXX Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate, outdated, and incomplete personal identifying information reported in my consumer file. 

Items in Dispute Name Reported variations of my name are inaccurate. 
My only correct legal name is : XXXX XXXX XXXX. 
Please delete/remove any and all other names, spellings, or variations. 

Address My only current and correct address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX 
Remove any and all other addresses listed in my file, as they are inaccurate or outdated. 

XXXX XXXX only correct employment is : XXXX XXXX XXXX. 
Delete/remove any other employment history listed, as it is inaccurate. 

Email Address My only correct email is : XXXX. 
Remove all other emails listed in my file. 

Phone Number My only correct phone number is : XXXX. 

Remove any and all other numbers associated with me. 
Legal Basis for Dispute FCRA XXXX ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting inaccurate personal identifiers directly violates this requirement. 
FCRA XXXX ( a ) : Requires a reasonable reinvestigation of disputed information within 30 days. 
FCRA XXXX ( a ) ( XXXX ) : Clarifies that disputes submitted through the XXXX XXXX must be treated no differently than direct disputes submitted to furnishers or CRAs. 
FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : If verified as accurate, CRAs must provide a Method of Verification ( MOV ) within 15 days, including : The name, address, and phone number of the furnisher who verified the information. 
A detailed description of the procedure used to verify the disputed personal identifiers. 

XXXX XXXX : XXXX v. Equifax XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inaccurate identifiers can lead to consumer harm and must be corrected. 
XXXX v. Equifax, XXXX XXXX XXXX Conflicting or outdated identifying data constitutes an FCRA violation. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must perform more than a cursory reinvestigation. 

Demand for XXXX I demand the following : XXXX deletion of all inaccurate names, addresses, phone numbers, employers, and email addresses. 

Only the following should remain on file : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX : Self-Employed, Tax Geek Email : XXXX Phone : XXXX If you verify this inaccurate information as accurate, provide me with a full Method of Verification ( MOV ) within 15 days of verification. 

Full compliance with statutory timelines XXXX  days for reinvestigation, XXXX  days for MOV. 

Failure to correct this information will be deemed willful noncompliance under 15 U.S.C. 1681n and 1681o, and I preserve all rights to pursue legal action, including statutory damages, actual damages, attorneys fees, and injunctive relief. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief