Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Personal Information Request for Immediate Correction and/or Method of Verification Consumer : XXXX XXXX XXXX Dear TransUnion XXXX Experian XXXX and Equifax, This is XXXX formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal identifying information contained in my credit files. Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies are required to maintain only information that achieves the maximum possible accuracy. 

The following constitutes my accurate personal information, which should be reflected consistently across all three of your files : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Current Employer : XXXX Sightseeing Any data not consistent with the above is inaccurate, outdated, or unverifiable and must be deleted from my file pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

1. Inaccurate Addresses to Be Deleted TransUnion The following addresses are inaccurate or outdated and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX  The following addresses are inaccurate or outdated and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Experian The following addresses are inaccurate or outdated and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. Legal Basis for Removal FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must follow reasonable procedures to ensure maximum possible accuracy. Outdated or false personal identifiers violate this standard. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Requires reinvestigation of disputed information within 30 days of receipt. If unverifiable, the information must be deleted. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Information that can not be verified must be promptly deleted. 

XXXX XXXX : XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs can not merely parrot furnishers ; they must perform a reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Misreporting or failing to correct personal identifiers constitutes an FCRA violation. 

XXXX. Method of Verification Request If you claim that any of the above disputed addresses or identifiers are accurate, I hereby invoke my right under FCRA XXXX ( a ) ( XXXX ) to receive a full Method of Verification ( MOV ) within 15 days of your verification response, specifically including : The full name, address, and telephone number of the furnisher who supplied the disputed information. 

The method used to verify the information ( electronic, automated, or manual ). 

A copy of the original documentation relied upon to verify each disputed address, such as lease agreements, utility bills, or government records. 

The date and manner of verification, including the identity of the verifying party. 

A clear explanation of how contradictory and outdated addresses can lawfully remain on file. 

XXXX. CFPB Disputes Governed Equally Please be advised that this dispute was submitted via the Consumer Financial Protection Bureau ( XXXX ). Under FCRA XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ] and XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ], disputes submitted through the CFPB carry the same legal obligations as those submitted directly to a credit bureau. You are bound by the same XXXX reinvestigation period and verification standards. 

XXXX. Action Required Immediately delete all inaccurate or outdated addresses identified above. 

Update my credit files to reflect only my correct and current personal information as listed. 

If you verify any disputed items, provide the full XXXX of XXXX within 15 days. 

XXXX. Consequences for Noncompliance Failure to comply will result in : Formal complaints with the CFPB, FTC, and New York Attorney General. 

Civil action under XXXX XXXX. XXXX and XXXX, seeking statutory damages, actual damages, attorneys fees, and injunctive relief. 

I reserve all legal rights without limitation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief