Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX | SSN ( last 4 ) : XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Re : Dispute of Personal Identifying Information Introduction This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. concerning the accuracy of my personal identifying information. The credit bureaus have a duty to ensure maximum possible accuracy of consumer file information under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ). Reporting any name, address, date of birth, or employer that is not accurate and current constitutes incomplete or inaccurate reporting.

Additionally, disputes submitted via CFPB.gov are to be treated as direct disputes under FCRA 623 ( a ) ( 8 ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) and must be handled with the same rigor as if submitted directly to the bureaus. 

Disputed Information XXXX. Name My correct legal name is XXXX XXXX XXXX. 
( Please remove/update any other name variations appearing in my file. ) XXXX. Date of Birth My correct date of birth is XX/XX/XXXX. 
( Please remove/update any other date of birth entries. ) XXXX. Address My only correct and current address is : XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. 
( Please remove/update all other addresses. I have never lived anywhere else. ) If the address is not reported exactly as written above, it must be corrected. 

XXXX. Employer My current employer is " XXXX XXXX. '' Please remove/update any misspellings, extra words, or variations so that my employment history reflects this employer accurately. 

XXXX. Email My Email Is XXXX ( Please remove any other emails listed on my consumer report ) XXXX. Phone Number XXXX ( Please remove any other phone numbers listed on my consumer report ) Legal Authority FCRA 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of information in consumer files.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from providing inaccurate or incomplete information.

FCRA 623 ( a ) ( 8 ) : Requires disputes submitted via CFPB.gov to be treated as direct disputes. 

Case Law : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must conduct an independent, reasonable investigation and can not merely parrot furnishers. 

Conditional Method of Verification Request If any disputed personal information is verified as accurate, I hereby demand the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, provide within 15 days : The business name, address, and telephone number of each furnisher you relied upon.

A description of the documentation reviewed to verify the personal information.

Deadlines 30 days for reinvestigation and results ( per 611 ( a ) ( 1 ) ( A ) ).

15 days for Method of Verification following any verification. 

Preservation of Rights If these personal information errors are not corrected or deleted, I will consider it willful noncompliance under the FCRA. I preserve all rights to escalate this matter to the CFPB, FTC, and state regulators, and to pursue legal remedies including statutory and actual damages, attorneys fees, and injunctive relief. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief