Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
Subject : XXXX Reporting Inaccurate Information and Ignoring Past Disputes Agency : XXXX  Violation : Fair Credit Reporting Act ( FCRA ), including Sections 602, 604A, and 623 Complaint : I am filing a formal complaint against XXXX  for knowingly and repeatedly reporting inaccurate and outdated personal and account information on my credit report. This misreporting has significantly harmed my credit score and my ability to access education loans, transportation, and stable housing. 

As of XX/XX/XXXX, XXXX  lists my name as " XXXX XXXX XXXX '', even though I legally divorced XXXXXXXX XXXX and returned to my maiden name, XXXX XXXX XXXX XXXX XX/XX/XXXX. I have not used the surname " XXXX '' since XXXX and this is clearly documented in my divorce and legal name change records. Despite this, XXXX  has continued to list : Outdated and incorrect aliases including " XXXXXXXX XXXX '' and " XXXX XXXX '' An address I have never lived at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I have disputed these entries multiple times over the years, but XXXX  has failed to remove or correct them. These inaccuracies are misleading, violate 15 U.S.C. 1681e ( b ) ( requiring consumer reporting agencies to assure maximum possible accuracy ), and contribute to a FICO score of XXXX, which misrepresents my actual credit history. 

Additionally, XXXX  has erroneously reported accounts that are not mine, possibly due to breach exposure or authorized user errors. Accounts in dispute include : XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX XXXX Bank XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXXXXXX XXXX  ( Account ending in XXXX ) These accounts were either : Never opened by me, Previously disputed and removed, or Associated with my former spouse ( s ) or erroneously assigned to my credit file during the time of known data breaches involving XXXX  XXXX, XXXX, and XXXX. 

I have also received credit monitoring services from XXXX XXXX due to their widely publicized data breaches, which suggests my information may have been improperly used or sold and is now being picked up by data aggregators without confirmation of ownership. 

What I Want : Immediate correction of my legal name and removal of all incorrect aliases Permanent removal of the false address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Deletion of all inaccurately assigned accounts listed above unless XXXX  can provide verifiable, original account holder documentation with my signature An updated, corrected credit report and FICO score A formal investigation into XXXX  pattern of neglect and lack of responsiveness to consumer disputes I am attaching my XXXX  credit report and previous written dispute summary for your review. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief