Consumer complaint received 2025-03-18 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 XXXX XXXX, XXXX GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) Equifax, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data.

Inaccurate Information on My Credit Report 1. Former Names I have noticed multiple names that are listed on my credit file. These former names are not associated with me, and I request their immediate removal : Incorrect Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Incorrect Addresses : I have noticed multiple incorrect addresses listed on my credit file. These addresses are not associated with me, and I request their immediate removal : Incorrect Addresses to Be Removed : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NC XXXX NOT GIVEN XXXX, NC XXXX Correct Address to Be Added : XXXX XXXX XXXX XXXX, GA XXXX 2. Incorrect Employers : Additionally, my credit report lists incorrect employment information. Under the FCRA ( 15 U.S.C. 1681c ), credit bureaus are required to ensure the accuracy of consumer reports. The following employers should be removed as they are incorrect and not associated with me : Incorrect Employers to Be Removed : XXXX I request that all employer information be removed from my credit report, as employment history is not required for credit reporting purposes. 

Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within 30 days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision.

Requested Action I request that you : Remove all incorrect addresses and employers listed above. 
Update my credit file with my correct address. 
Provide written confirmation that these corrections have been made. 
I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within the legally required 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief