Consumer complaint received 2025-09-23 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: MN

Complaint narrative:
Formal Dispute of Inaccurate, Incomplete, and Inconsistent Personal Information Reporting From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. Nature of Dispute and Requested Scope of Correction/Deletion -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am formally disputing the accuracy, completeness, and integrity of the * * personal identifying information ( PII ) * * associated with my consumer file. There are names, addresses, emails, phone numbers, employer entries, and other identifiers that * * do not belong to me * * or are * * obsolete/misstated * *, causing confusion and the risk of file mixing. I demand deletion of * * all other/incorrect variants * * and retention of * * only * * the precise identifiers listed in Section XXXX below. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. Correct Personal Information That Must Remain on File ( Authoritative Records ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * Name : * * XXXX XXXX XXXX ( remove all other names, misspellings, abbreviations, AKA/aliases, middle-initial punctuations, or maiden/alternate names not exactly matching this format ) * * Current Address : * * XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ( remove any other addresses, prior or variant formatsincluding differing street spellings, unit formats, or ZIP+4unless you can verify they are mine and currently necessary ; otherwise delete as obsolete or inaccurate ) * * Date of Birth : * * XX/XX/XXXX ( remove any DOB variants ) * * SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( last XXXX XXXX ) ( remove any SSN variations or transpositions ) * * Phone Number : * * XXXX ( remove all other phone numbers not explicitly listed here ) * * Email Address : * * XXXX ( remove all other email addresses ) * * Employer Information : * * Central Park Conservancy ( delete any other employer entries unless you can verify, with documentation, that I affirmatively authorized their inclusion and they are current and accurate ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - III. Items to Delete Immediately ( Non-Exhaustive Instruction ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Delete * * all * * of the following if present : Any name other than * * XXXX XXXX XXXX * * ( including misspellings, added/removed punctuation, AKAs, aliases ). 

Any address other than * * XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX * *, and any obsolete/unknown addresses not tied to an open tradeline legitimately associated with me. 

Any phone numbers other than * * XXXX * *. 

Any email addresses other than * * XXXX * *. 

Any employer entries ( past or current ) not expressly verified and authorized by me. 

Any other PII fields ( including other names, other SSN, or consumer statements ) that are inaccurate, obsolete, or not mine. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IV. Applicable Federal Law and Regulatory Guidance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : * * CRAs must follow reasonable procedures to assure * * maximum possible accuracy * *. Retaining wrong PII violates this accuracy mandate.

* * FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : * * Requires completion of a * * reasonable reinvestigation within 30 days * * of a consumer dispute.

* * FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : * * * * Delete or correct * * information that can not be verified as accurate.

* * FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Furnishers may not report information known or reasonably believed to be inaccurateincluding misattributed PII. 
* * CFPB Regulation V ( 12 C.F.R. Part 1022 ), Appendix E ( Accuracy and Integrity of Information Furnished ) : * * Furnishers must maintain policies and procedures reasonably designed to ensure accuracy and integrity of informationthis includes identity data elements. 
* * CFPB XXXX XXXX ( XXXX XXXX of Disputes ) : * * Furnishers must review * * all relevant information * * and can not respond with conclusory verified statements when disputes identify concrete inaccuracies. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. Case Law Support -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * A CRA must do more than parrot a furnisher ; investigation must be * * reasonable * *. 
* * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * Reinforces that the FCRA requires a * * meaningful * * investigation. 
* * XXXX v. XXXX Bank, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : * * Inadequate/late reinvestigations violate FCRA duties XXXX 
* * XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * Data that can not be verified must be * * deleted * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VI. CFPB-Submitted Disputes Are Direct Disputes ( FCRA 623 ( a ) ( 8 ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pursuant to * * 15 U.S.C. 1681s-2 ( a ) ( 8 ) * *, disputes submitted via * * CFPB.gov * * must be treated * * no differently * * than direct disputes submitted to a CRA or furnisher. You must conduct a reasonable investigation, review all relevant information, and correct or delete inaccurate data in full compliance with the FCRA and Regulation V.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VII. Method of Verification ( MOV ) Only If You Verify Any Disputed PII -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Ifand only ifyou verify any of the disputed personal identifiers to remain, I demand a * * Method of Verification * * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, to be provided within * * 15 days after * * your verification. Provide, item-by-item : 1 ) The * * name, address, and telephone number * * of each furnisher or source you relied upon ; 2 ) The * * name and title * * of each person who verified the item ; 3 ) * * Complete copies * * of the records relied upon ( e.g., signed applications, authenticated change-of-information requests, IP logs, consent records, billing records tying the PII to me ) ; and 4 ) A * * description of the procedures * * used to reconcile conflicts ( e.g., why a non-matching email/phone/address was kept, and how you determined it belongs to me ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VIII. Deadlines -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * 30 Days : * * Complete your reinvestigation and provide written results within * * 30 days * * of receiving this dispute ( FCRA 611 ( a ) ( 1 ) ( A ) ).

* * 15 Days After Verification : * * If any disputed item is verified to remain, provide the * * MOV within 15 days after * * such verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IX. Preservation of Rights -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - If you fail to correct/delete inaccurate or unverifiable PII, or if you respond late or with conclusory boilerplate, I reserve all rights to pursue remedies under * * 15 U.S.C. 1681n and 1681o * *, including statutory, actual, and punitive damages, plus attorneys fees and costs, and to file/augment complaints with the * * CFPB * * and * * FTC * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - X. Requested Resolution -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1 ) * * Delete * * all non-matching/incorrect names, addresses, phone numbers, emails, employer entries, SSN/DOB variants, and any other PII not exactly listed in Section XXXX ; XXXX ) * * Retain only * * : * * Name : * * XXXX A XXXX; * * XXXX XXXX XXXX * XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX; * XXXX XXXX XXXX * * XX/XX/XXXX ; * * SSN ( last XXXX ) : * * XXXX ; * * Phone : * * XXXX ; * * Email : * * XXXX ; * * Employer : * * none authorized for reporting at this time ; XXXX ) Provide written confirmation of all deletions/corrections and updated copies of my credit reports. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation