Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XX/XX/XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX5 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights. 
I request that the CFPB investigate this matter and ensure that XXXX, Equifax, XXXX updates my personal information as requested. Additionally, I seek confirmation that my credit report will reflect the accurate and updated information without further delays. 
Furthermore, I demand a deletion of all personally identifiable information from my consumer credit report with the exception of : Please delete all other addresses, as I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update my address with the one provided above. I also demand that all phone numbers be deleted. I request that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.

According to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15
USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

Thank you for your prompt attention to this matter. 
Sincerely, Name Address XXXX, GA XXXX [ Email Address ] [ Phone Number ] Attachments : Copy of the personal information update letter Driver 's license Social Security card Utility bill CC : Consumer Financial Protection Bureau Attorney Generals Office XXXX XXXX XXXX  Violations of Law Cited : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) 15 USC 1681 ( a ) ( 4 ) ( Fairness, impartiality, and respect for consumer privacy )

Company response to consumer: Closed with explanation