Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint because all three major credit reporting agencies have failed to comply with their legal duties under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit reports and discovered multiple inaccurate entries, unverified collection accounts, incorrect personal identifiers, and outdated employer information. Despite submitting valid disputes and providing proper identification, the credit bureaus have not conducted a proper reinvestigation or provided the method of verification as required by law. 

Disputed Information Incorrect Personal Information Previous address : XXXX XXXX XXXX XXXX MI XXXX Previous address : XXXX XXXX XXXX XXXX MI XXXX Employer : Cash and Deposits Employer : Friendly Cuts Disputed Accounts and Tradelines XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and personal identifiers are being reported inaccurately and appear to be unverifiable. The continued reporting of this information violates my rights under the FCRA. 

Legal Basis for Complaint 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) ( 1 ) Requires a reasonable reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 7 ) Requires agencies to provide the consumer with the method of verification, including details of how and by whom the disputed information was verified. 
15 U.S.C. 1681g Requires agencies to provide a complete consumer file disclosure upon request. 

The credit bureaus have not fulfilled these obligations, have not disclosed their verification process, and have continued to publish inaccurate and unverifiable information. 

Requested Action and Relief I request that the Consumer Financial Protection Bureau investigate and ensure that Equifax, XXXX, and TransUnion take the following actions : Conduct a full reinvestigation of all disputed accounts and personal information listed above. 

Delete or correct any information that can not be verified with documentation. 

Provide a full method of verification, including : Description of procedures used during reinvestigation Names and contact details of all parties contacted Copies of any documentation relied upon for verification Provide a full consumer file disclosure as required by 15 U.S.C. 1681g, including : All data contained in my file at the time of this request All hard and soft inquiries, including the date and reason for each Copies of certifications or authorizations used by third parties to access my file Correct my personal identifiers to accurately reflect : Name : XXXX XXXX Date of Birth : XX/XX/1978 SSN ( Last Four ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Harm Suffered The continued reporting of inaccurate and unverifiable information has damaged my creditworthiness and exposed me to potential denials of credit, higher interest rates, and other adverse financial outcomes.

Company response to consumer: Closed with non-monetary relief