Consumer complaint received 2025-09-05 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: IN

Complaint narrative:
Consumer Information Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Date of Birth : XX/XX/XXXX SSN ( partially redacted ) : * -- XXXX XXXX. Background and Legal Foundation The consumer submitted multiple disputes to Equifax, Experian, and TransUnion regarding inaccurate and inconsistent personal identifiers ( names and addresses ) contained in their credit files. The consumer cited provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Right to a reasonable reinvestigation of disputed information.

1681e ( b ) Obligation of credit reporting agencies to ensure maximum possible accuracy.

609 ( a ) ( 1 ) Right to correct personal information.

611 Duty to delete or correct disputed inaccurate information. 

The consumer also emphasized that delays in processing disputes based on assumptions of third-party credit repair involvement are unlawful. Supporting identification ( drivers license, Social Security card, utility bill ) was attached but expressly limited to verification purposes only, consistent with 16 CFR 682.3 ( proper handling of sensitive ID data ).

2. Issues Identified in Credit Reports a. Incorrect Addresses Reported Across the three bureaus, the following false addresses were identified : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX not associated with the consumer. 
XXXX XXXX XXXX, XXXX, XXXX XXXX not associated with the consumer. 
Variations of the XXXX address incorrectly listed ( e.g., different ZIP suffixes ). 
The consumer confirmed that their sole correct address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
b. Incorrect Names/ Variations Reported Multiple incorrect name variations appeared, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asserts their XXXX and only legal name is : XXXX XXXX XXXX XXXX 

c. Other Concerns Outdated employer and phone number data were being retained without verification. 
Errors originated or persisted despite prior disputes, increasing risk of identity theft and mixed credit files. 

As an Equifax Data Breach victim, the consumer highlighted heightened vulnerability to inaccurate reporting and fraudulent identifiers.

3. Consumers Requests to the Bureaus Permanent Deletion of Inaccurate Identifiers Remove all incorrect addresses.

Remove all incorrect name variations.

Remove outdated employers and phone numbers not verifiable.

Confirmation of Corrections Provide written confirmation that only the correct legal name and address remain.

Deliver an updated credit report reflecting corrections.

Timely Compliance Complete all corrections within 30 days as mandated by the FCRA.

Legal Consequences if Ignored Consumer stated any delays, template responses, or failures to reinvestigate will be viewed as willful disregard of consumer rights.

Matters may be escalated to legal counsel for litigation.

4. Supporting Evidence Submitted Government-issued ID ( Indiana drivers license ).

Social Security Card. 
Recent Utility Bill ( XXXX XXXX, XX/XX/XXXX ) confirming XXXX address. 
Equifax XXXX XXXX XXXX Notice ( as proof of compromised personal data ). 

Conclusion The consumer has exercised their FCRA rights by disputing inaccurate and harmful credit file entries with Equifax, Experian, and TransUnion. The inaccuracies include false addresses, false name variations, and outdated personal data, all of which expose the consumer to heightened risk of identity theft. 

The consumer demands immediate reinvestigation and permanent correction of all errors, with written confirmation, within statutory time limits. Failure to comply may result in escalation to the CFPB and/or litigation.

Company response to consumer: Closed with explanation